Senior Mortgage Credit Analyst

🔥 1 minute ago

🇵🇭 Philippines – Remote

💵 ₱80k - ₱120k / 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

• Take complete ownership of residential loan files from returned client documentation through detailed assessment, lender selection, lodgement, formal approval, and settlement. • Review income, expenses, liabilities, and supporting documentation for missing information, discrepancies, and credit issues. • Conduct serviceability calculations using Quickli and individual lender calculators, verifying complex income streams and liability structures. • Formulate proposed loan structures aligned with client objectives, assumptions, and policy considerations. • Research lender policies and evaluate options based on client requirements, servicing capacity, pricing, fees, and product features. • Order property valuations and pricing requests; liaise with lender BDMs and credit teams regarding policy eligibility. • Present justified lender shortlists and structural proposals to the Principal Broker. • Prepare BID supporting notes, lender comparison rationale, credit proposal documents, and submission summaries. • Maintain client records and file notes in Connective Mercury; construct compliant applications in Apply Online (AOL). • Obtain broker approval for lenders, structures, and documentation before formal submission. • Track applications through conditional approval, formal approval, and settlement. • Coordinate with lenders, clients, and conveyancers to clear conditions and satisfy settlement requirements. • Provide operational client updates and keep Mercury tasks and milestones current. • Drive file progression independently, report blockers and deadlines, and maintain operational checklists and repeatable processes.

🎯 Requirements

• Minimum 4+ years of hands-on experience supporting Australian residential mortgage broking, with demonstrated responsibility from initial assessment through to settlement. • Essential proficiency in Connective Mercury and Apply Online (AOL). • Proven track record in detailed serviceability assessment, policy research, and loan structuring beyond standard application administration. • Direct experience drafting BID supporting rationale, credit proposals, and lender submission notes for broker review. • Strong document verification skills, including PAYG income assessment and straightforward self-employed scenario evaluation. • Exceptional written and spoken English with the confidence to communicate professionally with clients, lenders, and BDMs. • Experience with Quickli serviceability software and a wide array of Australian lender-specific calculators preferred. • Exposure to a referral-based broking environment handling steady monthly file flows of 8–10 files/month preferred. • Proactive self-starter mindset that acts on next steps independently and escalates blockers early alongside proposed solutions. • Meticulous attention to detail to catch document discrepancies, policy edge cases, and calculation errors before lodgement. • Clear understanding of decision boundaries, knowing when to execute independently versus when to seek Principal Broker sign-off. • Excellent organizational skills to keep multiple files moving concurrently while maintaining clean CRM records and timely client communication.