Senior Credit Analyst

🕒 May 13

🇵🇭 Philippines – Remote

💵 ₱80k - ₱105k / month

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 44%

What it means: the chance that no one is really hiring for this job.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.

Apply Now

Find Similar Remote Jobs

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

• Analyse client financials including payslips, income structures, and employment types. • Accurately calculate base income, overtime, and variable earnings. • Interpret lender policies to determine borrowing capacity and loan suitability. • Run and compare multiple lender servicing calculators using tools like Quickli. • Prioritise urgent and/or important tasks effectively to ensure consistent momentum in a fast-paced environment. • Develop a deep understanding of individual lender credit policies and identify optimal lender niches. • Apply lender-specific rules for overtime, self-employed requirements, and income verification. • Use policy knowledge strategically to structure deals for approval, not just assessment. • Conduct pricing negotiations with lenders and order/manage property valuations. • Analyse self-employed clients across structures including sole traders, partnerships, companies, and complex trusts. • Interpret tax returns, financial statements, and notices of assessment to normalize earnings. • Lead SMSF-related checks and identify all required documentation, including trust deeds and compliance documents. • Execute loan processing support within AFG and Broker Engine. • Manage KYC (Know Your Customer) protocols and lender documentation requirements. • Draft detailed compliance comments in Credit Proposals and ensure all applications meet BID standards. • Prepare strong, well-structured loan submissions with detailed notes tailored to each lender. • Stay well organised in managing significant workloads, ensuring clear notes and records are kept for every file. • Liaise with lenders, credit teams, BDMs, and clients. • Maintain a high level of communication and flexibility when supporting differing mortgage brokers in the team. • Maintain professional, clear, and confident spoken English.

🎯 Requirements

• Minimum 5+ years’ experience as a Credit Analyst (mortgage or banking). • Extensive experience with Australian mortgage lending is mandatory. • Proven ability to interpret and apply complex lender policies independently. • Demonstrated experience working within AFG and Broker Engine platforms. • This is a senior role; candidates must be experienced and not require trainee-level supervision. • Advanced financial analysis skills and bank statement analysis to identify undisclosed debts. • Strong understanding of income verification, self-employed assessment, and credit scoring. • Proficiency in using Quickli and lender-specific servicing calculators. • Familiarity with CRM automation (e.g., Go High Level) and AI tools like ChatGPT is highly regarded. • High energy, positive attitude, and comfort in a fast-moving business environment. • Excellent verbal and written English communication. • High attention to detail and a proactive, solutions-focused mindset. • Team-oriented with a "hands-on" attitude and openness to continuous improvement.

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume