Senior Credit Manager – Australian Mortgage, Lending Experience

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🕒 April 29

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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

• Technical Decision Making: Act as the ultimate authority for complex self-employed scenarios, navigating "grey areas" and providing definitive quotes where standard policy may be ambiguous. • Senior Leadership: Manage a high-caliber team, including a Senior Underwriter and a Credit Analyst. Provide the technical mentorship and final sign-off for their most complex files. • Credit Oversight: Oversee all credit lodgements to ensure they meet the highest standards of accuracy and "right first time" approval rates. • Lender Relationship Management: Liaise directly with BDMs and senior credit assessors at 2nd-tier Australian lenders to overturn declines and negotiate conditions. • SLA Governance: Ensure the credit team maintains strict compliance with internal Service Level Agreements (SLAs), maintaining the firm's reputation for speed and reliability.

🎯 Requirements

• Lender Experience (Mandatory): Extensive experience (8+ years) working within an Australian 2nd-tier lender (e.g., Pepper, Liberty, La Trobe). • Authority & DLA: Proven experience holding a high Delegated Lending Authority (DLA) and managing/leading a credit assessment team. • Self-Employed Mastery: Expert ability to analyze complex financial structures, including company tax returns, trust distributions, and add-back scenarios. • Strategic Thinking: Ability to look beyond the "box" to find viable lending pathways for high-net-worth borrowers. • NICE TO HAVE (not mandatory): • Scenario Architect Skills: Previous experience in a "Credit Coach" or "Scenario Desk" role within a specialist lender, specifically handling complex commercial-to-residential crossovers. • Advanced Accounting Knowledge: A deep understanding of corporate tax portals and the ability to reconcile complex inter-entity loan accounts.