Mortgage Credit Analyst – AU

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Pear Tree.

WebsiteLinkedInAll Job Openings

1 - 10 employees

🎯 Recruiter

👥 HR Tech

🤝 B2B

Recruitment • HR Tech • B2B

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

• Analyse borrowers' financial positions, income, liabilities, assets, and living expenses. • Review payslips, tax returns, financial statements, bank statements, and supporting documentation. • Identify undisclosed liabilities, recurring expenses, and potential credit risks. • Verify borrower information against supporting documents and lender requirements. • Assess serviceability and borrowing capacity using lender calculators. • Review loan structures and recommend suitable lending options for broker review. • Ensure applications align with lender credit policies and responsible lending obligations. • Prepare accurate loan applications within Connective Mercury. • Enter borrower and security information into CRM and lender systems. • Package complete applications for broker review and submission through ApplyOnline. • Upload and organise all supporting documents. • Complete lender-specific application requirements and checklists. • Order property valuations and review valuation reports. • Prepare pricing requests and assist with lender negotiations where required. • Review identification documents and verify compliance with lender requirements. • Ensure all mandatory documentation has been received before submission. • Complete compliance documentation based on broker file notes and customer interviews. • Maintain accurate client records, application notes, and document management within CRM. • Ensure all files meet internal quality assurance and compliance standards. • Monitor application progress from submission through approval and settlement. • Track lender turnaround times and outstanding conditions. • Liaise with lenders, brokers, solicitors, and clients to obtain additional information where required. • Keep brokers informed of application progress and any credit concerns. • Review loan offers for accuracy before settlement. • Maintain accurate CRM records and client files. • Monitor shared inboxes and action lender or client requests. • Assist with administrative tasks to support the mortgage team. • Prepare documentation using Adobe and Microsoft Office. • Assist with marketing collateral using Canva when required.

🎯 Requirements

• Previous experience as a **Credit Analyst**, Credit Assessor, or Mortgage Credit Analyst supporting an Australian mortgage broker or lender. • Strong understanding of Australian residential lending policies and credit assessment principles. • Demonstrated experience analysing financial documents and assessing borrower serviceability. • Ability to identify lending risks and recommend appropriate loan structures. • Experience reviewing bank statements, payslips, tax returns, liabilities, and supporting financial documents. • Strong understanding of responsible lending obligations and compliance requirements. • Hands-on experience using **Connective Mercury** and **ApplyOnline (AOL).** • Excellent analytical, organisational, and problem-solving skills. • High level of accuracy and attention to detail. • Excellent written and verbal English communication skills. • Preferred • Experience working with multiple Australian lenders. • Knowledge of lender credit policies and servicing calculators. • Experience with pricing requests and valuation ordering. • Proficiency in Microsoft Excel, Google Workspace, Adobe Acrobat, and Canva.