Credit Analyst

Pear Tree.

. Assume primary control of client files after the Principal Broker’s discovery interview and manage client inquiries and supplementary document collection .

Posted 10/27/2026full-timeRemote • PhilippinesJuniorMid-Level💰 ₱65,000 - ₱90,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in analyzing complex lending scenarios and formulating tailored lending solutions while ensuring compliance with Australian credit policies and regulations. Proficient in managing client files and facilitating the loan approval process using industry-specific tools and methodologies.

Highest-signal resume keywords

Credit AnalysisAustralian Credit PoliciesConnective Mercury CRMQuickli Servicing SoftwareCompliance Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Borrowing Capacity CalculationsIncome Structure AnalysisLending Solutions FormulationPre-Submission AuditsFile Auditing

Soft Skills

Verbal CommunicationWritten CommunicationMentoring

Tools & Technologies

ApplyOnlineMercury CRMQuickli

Certifications & Qualifications

Bachelor’s Degree in FinanceCert IV in Finance and Mortgage BrokingDiploma in Finance and Mortgage Broking

Industry Keywords

NCCP RegulationsResidential Mortgage BrokingSelf-Managed Super Fund (SMSF) LendingBrokerage ComplianceCredit Coaching

About the role

Key responsibilities & impact

Assume primary control of client files after the Principal Broker’s discovery interview and manage client inquiries and supplementary document collection
Complete end-to-end borrowing capacity calculations using Quickli and lender servicing calculators
Analyze complex income structures and benchmark them against lender policy
Formulate and present the top three tailored lending solutions for broker sign-off
Order upfront property valuations and execute competitive pricing requests
Draft comprehensive Broker Notes and credit compliance narratives
Liaise with lender credit assessors, credit coaches, and BDMs to resolve conditions, clarify policy, and accelerate MIRs through formal unconditional approval
Oversee and quality-check the Loan Processor’s input into ApplyOnline and Mercury CRM
Guide files through unconditional approval, loan document signing, and settlement
Conduct pre-submission audits against BID and responsible lending standards
Refine, document, and enforce internal compliance protocols and file checklists
Review backbook portfolios, execute repricing requests, identify refinance opportunities, and support client retention

Requirements

What you’ll need

Minimum 2–3+ years of proven experience as a Credit Analyst or Senior Loan Writer supporting an Australian residential mortgage broking operation
Advanced, hands-on working knowledge of Connective Mercury CRM and Quickli servicing software
Deep, up-to-date working knowledge of Australian credit policies, NCCP regulations, and servicing methodologies across major banks, regional lenders, and non-bank specialists
Proven track record analyzing complex lending scenarios, including company and discretionary trusts, multi-entity self-employed structures, and SMSF lending
Flawless verbal and written business English
Bachelor’s degree in Finance, Accounting, Economics, Commerce, or equivalent industry certifications (e.g., Cert IV or Diploma in Finance and Mortgage Broking)
Preferred: background in compliance management, file auditing, or credit coaching within an Australian brokerage or aggregator network
Preferred: experience formalizing SOPs, process workflows, and QA checklists
Preferred: experience mentoring, peer-reviewing, or delegating administrative workflows

Benefits

Comp & perks

Monday to Friday, 9:00 AM–5:00 PM AEST/AEDT, Melbourne Time
Australian holidays