Credit Analyst – Australian Mortgage Brokerage

Pear Tree.

. Evaluate client income, liabilities, credit profiles, and borrowing capacity to assess deal feasibility and flag potential risks .

Posted 9/25/2026full-timeRemote • PhilippinesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Australian mortgage broking, including evaluating client financial profiles, managing loan applications, and ensuring compliance with lending guidelines. Proficient in using MyCRM and lodgement platforms to streamline processes and enhance deal velocity.

Highest-signal resume keywords

Australian Mortgage Broking SupportMyCRM ExperienceApplyOnline LodgementAPRA Lending Guidelines KnowledgeCredit Narrative Drafting

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Serviceability CalculationsCredit AssessmentLoan Application ManagementDocumentation TrackingDeal Automation Workflows

Soft Skills

Excellent Written EnglishIndependent Work CapabilityCommunication with Stakeholders

Tools & Technologies

MyCRMApplyOnlineSimpology

Industry Keywords

First Home Owner GrantsLMI WaiversResponsible Lending ObligationsHousehold Expenditure MeasureAustralian Government Home Guarantee Schemes

About the role

Key responsibilities & impact

Evaluate client income, liabilities, credit profiles, and borrowing capacity to assess deal feasibility and flag potential risks
Perform serviceability calculations across multiple major Australian banks and non-bank lenders
Match clients with appropriate lenders, government schemes, and LMI waiver options
Build complete, submission-ready loan application packs and execute lodgements via ApplyOnline or Simpology
Maintain a pipeline of 10–20 concurrent deals in MyCRM, including record-keeping, status tracking, and compliance notes
Track lender conditions, gather outstanding documentation, and progress applications through full approval and settlement
Draft professional credit narratives
Communicate with lenders, conveyancers, real estate agents, and clients to resolve queries and progress files
Work autonomously to accelerate deal velocity and maintain quality standards across the residential portfolio

Requirements

What you’ll need

4–5 years of direct experience in Australian mortgage broking support, bank credit assessment, or lending operations
Proven hands-on experience using MyCRM (mandatory requirement)
Experience with lodgement platforms such as ApplyOnline or Simpology
Strong operational knowledge of APRA lending guidelines, Household Expenditure Measure (HEM) benchmarks, and Responsible Lending Obligations
Thorough understanding of First Home Owner Grants, LMI waivers, and Australian Government Home Guarantee Schemes
Excellent written English skills
Demonstrated ability to craft coherent credit notes
Ability to work independently in a remote environment
Prior exposure to commercial finance, equipment loans, or self-employed financial statement analysis is desired but not required
Experience managing deal automation workflows or custom dashboards within Australian broking software systems is desired but not required
Experience directly coaching or guiding first-time home buyers through the end-to-end loan application journey is desired but not required