Senior Credit Analyst, Parabroker

🔥 16 hours ago

🇵🇭 Philippines – Remote

💵 ₱110k / month

⏰ Full Time

🟠 Senior

🧐 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

• Review client financial information and assess borrowing capacity • Complete detailed servicing and affordability calculations • Analyse income, liabilities, living expenses, assets and overall financial position • Review PAYG, self-employed and complex income structures • Analyse payslips, bank statements, tax returns and financial statements • Calculate and verify income according to lender requirements • Identify servicing, policy and credit issues early • Review LVRs, deposit requirements and other lending metrics • Conduct scenario analysis across lenders and loan structures • Research lender policies and compare lending options • Assist brokers with structuring residential and investment lending scenarios • Prepare recommendations and supporting analysis for broker review • Support brokers throughout the application process • Prepare applications and supporting documentation • Ensure client files are complete, accurate and compliant • Assist with lender queries, outstanding conditions and application progression • Monitor applications through approval and settlement where required • Maintain client and application records in Connective Mercury/Mercury Nexus • Maintain application stages, notes, tasks and documentation • Communicate with clients to obtain outstanding information and documents • Liaise with lenders and BDMs regarding questions and approval conditions • Maintain visibility of active applications, deadlines and milestones • Assist with pipeline reporting and identify files requiring urgent attention • Provide high-level technical and end-to-end Para-Broker support to reduce broker processing time

🎯 Requirements

• Significant previous experience as a Senior Credit Analyst, Para-Broker, Mortgage Loan Processor, Credit Assessor or similar • Previous experience supporting Australian mortgage brokers or lenders • Strong understanding of Australian residential mortgage lending • Excellent credit analysis and servicing calculation capability • Advanced Excel skills – essential • Experience interpreting lender credit policies • Ability to assess complex client financial information • Experience preparing and progressing mortgage applications • Strong attention to detail and numerical accuracy • Excellent written and verbal English • Strong organisation and ability to manage multiple active applications • Ability to operate independently with minimal supervision • Commercial mindset with the ability to identify issues and propose solutions rather than simply processing information • Connective Mercury / Mercury Nexus experience highly preferred • Australian mortgage broking qualifications or relevant finance qualifications highly desirable • Experience across construction, investment and refinance lending highly desirable • Experience assessing self-employed borrowers and complex income structures highly desirable • Experience across multiple Australian lenders and their credit policies highly desirable • Previous direct interaction with lender BDMs and credit teams highly desirable • Advanced capability with Microsoft Excel • Familiarity with Microsoft 365, lender servicing calculators, bank and lender portals, credit and loan comparison tools, and CRM/mortgage broking platforms

🏖️ Benefits

• Public holidays in AU • Remote work arrangement