Remote Credit Analyst (Contractor) – Mortgage Lending

Pear Tree.; Manila; On-site; PHP 1,116,000 - 1,283,000; Full time

Job summary

Pear Tree. is seeking a Credit Analyst for a 100% remote Independent Contractor role. You will assess client financial profiles, determine borrowing capacity, and ensure loan applications align with lender policies and regulatory requirements.

You will work with brokers and lenders to structure applications, manage credit risk, and support successful loan outcomes. The position offers a salary of Php 100,000 per month, with final amount at client discretion based on skills and experience.

Qualifications

• Experience in mortgage broking, banking, financial services, or credit analysis.
• Strong understanding of residential lending policies and credit assessment processes.
• Excellent analytical and problem-solving abilities.
• High attention to detail and accuracy in documentation and compliance.
• Strong communication and stakeholder management skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Familiarity with aggregator platforms and lender systems is an advantage.

Responsibilities

• Analyse client financial information including income, expenses, liabilities, and assets.
• Assess borrowing capacity and determine suitable loan products across multiple lenders.
• Prepare, structure, and review loan applications prior to submission.
• Identify credit risks and provide clear recommendations to support lending decisions.
• Liaise with lenders, brokers, and clients to obtain and verify required documentation.
• Ensure all applications comply with lending policies, credit guidelines, and regulatory standards.
• Maintain records and track application progress within CRM and loan systems.
• Manage multiple loan applications and meet deadlines; support brokers with policy interpretation and scenario analysis.

Skills

Mortgage analysis

Credit assessment

Regulatory compliance

Lender policy knowledge

Stakeholder management

Attention to detail

Analytical problem-solving

Tools

Infinity

ApplyOnline

Mercury

Flex

AOL

Salesforce

HubSpot

Quickli

broker-specific CRMs

Job description

Pear Tree. is seeking a Credit Analyst for a 100% remote Independent Contractor role. You will assess client financial profiles, determine borrowing capacity, and ensure loan applications align with lender policies and regulatory requirements.

You will work with brokers and lenders to structure applications, manage credit risk, and support successful loan outcomes. The position offers a salary of Php 100,000 per month, with final amount at client discretion based on skills and experience.