Senior Credit Analyst – Australian Mortgage

🕒 July 1

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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

• Scenario Analysis: Evaluate complex residential lending scenarios across a diverse range of client portfolios, including PAYG, self-employed, company, trust, and SMSF applications. • Financial Assessment: Review and verify tax returns, financial statements, Business Activity Statements (BAS), payslips, and comprehensive supporting documentation. • Serviceability & Risk Evaluation: Analyze borrowing capacity (servicing), outstanding liabilities, living expenses, and credit histories to identify policy issues, lender risks, and potential submission challenges. • Strategic Lender Recommendations: Research lender policies and liaise with Business Development Managers (BDMs) to recommend the most suitable lenders based on policy compliance, serviceability, and client goals. • Loan Structuring & Summaries: Prepare clear, high-quality credit recommendations and scenario summaries for brokers while assisting with structural design and overall submission strategy. • Quality Assurance: Conduct meticulous pre-submission quality assurance checks, collaborating with the processing team to ensure all files are complete, accurate, and completely submission-ready.

🎯 Requirements

• Experience: Minimum 3-5 years of dedicated Australian mortgage broking experience, specifically in a Credit Analyst or Senior Broker Support capacity. • Lending Policy Expertise: Deep, current understanding of Australian lending policies and guidelines. • Complex Assessment Skills: Proven experience assessing complex borrower types and structures, including Self-employed applicants, Company & Trust structures, SMSF lending, Refinancing, Investment lending, and Business-purpose lending. • Analytical Thinking: Strong critical thinking skills with the ability to independently identify appropriate lender fit and mitigate policy risks. • Communication & Organization: Exceptional written English communication skills alongside unmatched attention to detail and organizational capabilities. • Preferred Skills & Technologies: Prior experience working within a fast-paced, high-performing Australian mortgage brokerage. Familiarity with the Connective aggregator platform and Mercury CRM. Proficiency with Quickli (or equivalent policy/servicing tools), lender servicing calculators, and various major Australian lender portals. Experience utilizing Microsoft Teams and Outlook for day-to-day team communication.