Senior Credit Analyst (AU Mortgage Experience)

Peartree Preschool; Philippines; Remote; PHP 1,004,000 - 1,339,000; Full time

Job summary

Peartree Preschool is seeking a Credit Analyst to assess and structure residential loan applications for a panel of lenders, including proprietary products. You will think like a broker, analyze borrower scenarios, and guide deals end-to-end from fact find to submission.

You will work remotely aligned with Australian hours, supporting lenders and internal stakeholders while maintaining a precise pipeline in Mercury CRM. A strong focus on complex deals and proactive credit outcomes is essential.

Qualifications

• 4+ years in Australian mortgage broking / credit analysis.
• Experience with complex deals (not just vanilla PAYG).
• Proficiency with Connective and Mercury CRM; strong understanding of lender policies.

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.
• Prepare and submit loan applications via Connective; manage MIRs; review 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.

Skills

Mortgage broking

Credit analysis

Deal structuring

Tools

Connective

Mercury CRM

Job description

Position: Credit Analyst

Salary: PHP 90,000 - 120,000

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

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