Senior Mortgage Credit Analyst Support – AU

Job not on LinkedIn

🕒 August 10

🇵🇭 Philippines – Remote

⏰ Full Time

🟠 Senior

📞 Support Engineer

👻 Ghost score 26%

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

• Collect, audit, and analyze client financial documents using Hello packs and MyCRM • Perform serviceability calculations, income shading, HEM benchmark comparisons, and debt-to-income (DTI) analysis • Analyze self-employed financials, including tax returns and financial statements, and identify allowable add-backs • Interpret lender credit policies, including CBA, Macquarie, and RedZed, to determine lender fit and flag decline risks early • Maintain complete compliance records, including signed consents, fact finds, and BID notes • Ensure files are complete, targeting 80%–100% data and document readiness before handoff • Keep statuses, notes, and tasks updated in MyCRM • Package and present prepared files to onshore Senior Credit Analysts for final review and submission via Apply Online / NextGen • Communicate policy nuances or missing information directly with brokers and credit staff

🎯 Requirements

• 3+ years in Australian residential loan processing, submissions, or lender credit assessment • Strong understanding of serviceability mechanics, including buffer rates, HECS/HELP treatment, credit card limit loading, and LVR/LMI thresholds • Experience with MyCRM (LMG) highly regarded; experience with other Australian mortgage CRMs accepted with technical aptitude and willingness to learn • Articulate written and verbal English skills • Proactive approach to highlighting potential file issues • Ability to work fixed Australian business hours, 9:00 AM–6:00 PM AEST