Credit Analyst

🔥 0 minutes ago

🇵🇭 Philippines – Remote

💵 ₱65k - ₱90k / month

⏰ Full Time

🟢 Junior

🟡 Mid-level

🧐 Analyst

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Pear Tree.

WebsiteLinkedInAll Job Openings

1 - 10 employees

💼 Consulting

📦 Logistics

📣 Marketing

Consulting • Logistics • Marketing

Pear Tree is a Melbourne‑born offshore recruitment and hiring services company that connects Australian, US, and UK businesses directly with skilled offshore professionals (primarily from the Philippines) without agency markups. They provide end-to-end hiring support — sourcing, screening, skills assessments, video interviews, reference checks — and offer payroll, Employer‑of‑Record, and compliance assistance plus a six‑month replacement guarantee. Pear Tree recruits across IT, sales & marketing, finance, creative, admin and operations roles, emphasizing cost savings, direct pay to talent, and secure onboarding workflows.

📋 Description

• Assume primary control of client files after the Principal Broker’s discovery interview and manage client inquiries and supplementary document collection • Complete end-to-end borrowing capacity calculations using Quickli and lender servicing calculators • Analyze complex income structures and benchmark them against lender policy • Formulate and present the top three tailored lending solutions for broker sign-off • Order upfront property valuations and execute competitive pricing requests • Draft comprehensive Broker Notes and credit compliance narratives • Liaise with lender credit assessors, credit coaches, and BDMs to resolve conditions, clarify policy, and accelerate MIRs through formal unconditional approval • Oversee and quality-check the Loan Processor’s input into ApplyOnline and Mercury CRM • Guide files through unconditional approval, loan document signing, and settlement • Conduct pre-submission audits against BID and responsible lending standards • Refine, document, and enforce internal compliance protocols and file checklists • Review backbook portfolios, execute repricing requests, identify refinance opportunities, and support client retention

🎯 Requirements

• Minimum 2–3+ years of proven experience as a Credit Analyst or Senior Loan Writer supporting an Australian residential mortgage broking operation • Advanced, hands-on working knowledge of Connective Mercury CRM and Quickli servicing software • Deep, up-to-date working knowledge of Australian credit policies, NCCP regulations, and servicing methodologies across major banks, regional lenders, and non-bank specialists • Proven track record analyzing complex lending scenarios, including company and discretionary trusts, multi-entity self-employed structures, and SMSF lending • Flawless verbal and written business English • Bachelor’s degree in Finance, Accounting, Economics, Commerce, or equivalent industry certifications (e.g., Cert IV or Diploma in Finance and Mortgage Broking) • Preferred: background in compliance management, file auditing, or credit coaching within an Australian brokerage or aggregator network • Preferred: experience formalizing SOPs, process workflows, and QA checklists • Preferred: experience mentoring, peer-reviewing, or delegating administrative workflows

🏖️ Benefits

• Monday to Friday, 9:00 AM–5:00 PM AEST/AEDT, Melbourne Time • Australian holidays