Senior Credit Analyst (AU Mortgage Experience)

Pear Tree.; Manila; Remote; PHP 1.004.000 - 1.339.000; Vollzeit

Zusammenfassung

Pear Tree. is seeking a diligent Credit Analyst to join our Australian mortgage brokerage team. You will structure, assess, and submit loan applications for residential lending, thinking like a broker and forecasting credit outcomes from fact find through submission.

You will work with multiple lenders, including proprietary products, handling deals end-to-end. The role requires hands-on experience with Connective and Mercury CRM, and a solid understanding of lender policies and servicing.

Qualifikationen

• 4+ years in Australian mortgage broking or credit analysis
• Experience with complex deals beyond vanilla PAYG
• Proficiency with Connective required
• Mercury CRM experience preferred

Aufgaben

• Analyze borrower scenarios (PAYG, self-employed, complex structures)
• Structure deals including refinances and equity release
• Prepare and submit loan applications via Connective
• Review MIRs and ensure credit strength
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain notes and pipeline in Mercury CRM

Kenntnisse

Credit analysis

Mortgage broking

Deal structuring

Lender policy knowledge

Communication

Tools

Connective

Mercury CRM

Jobbeschreibung

Working Hours & Conditions

Aligned with Australian hours; full-time (remote)

Holidays

AU Holidays

ABOUT THE COMPANY

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES

• Analyze borrower scenarios (PAYG, self-employed, complex structures)
• Structure deals across:
  • Refinances
  • Cash-out / equity release
  • Pre-approvals
  • Multi-lender / proprietary products
  • Basic SMSF lending (low volume)
• Prepare and submit loan applications via Connective
• Complete and manage MIRs (More Information Requests)
• Review supporting documents for completeness and credit strength
• Identify risks and propose alternative structures before submission
• Liaise with lenders, BDMs, and internal stakeholders
• Maintain accurate notes and pipeline in Mercury CRM

Position

Credit Analyst

Salary

PHP 90,000 - 120,000

Requirements

QUALIFICATIONS

• 4+ years in Australian mortgage broking / credit analysis
• Strong experience with:
  • Complex deals (not just vanilla PAYG)
  • Refinance and equity release scenarios
  • Pre-approvals and submissions
• Hands‑on experience with:
  • Connective (non-negotiable)
  • Mercury CRM (strongly preferred)
• Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR

• You don't wait for instructions—you identify issues before they happen
• You can structure deals, not just process them
• You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have)

• SMSF lending exposure
• Experience with non-bank / specialist lenders