Credit Analyst, NZ Experience

Pear Tree.

. Review client applications and supporting documentation, including payslips, bank statements, loan statements, tax returns, and financial accounts .

Posted 10/14/2026contractRemote • PhilippinesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in analyzing client financial documentation and assessing credit risks within the New Zealand mortgage industry, utilizing tools like MYCRM and NZFSG to ensure compliance and accuracy in lending processes.

Highest-signal resume keywords

Credit AnalysisLender Serviceability CalculatorsNew Zealand Residential LendingMYCRM ExperienceNumerical Accuracy

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Documentation ReviewIncome AnalysisAffordability AssessmentCredit Risk EvaluationLoan StructuringCompliance ReviewScenario SummarizationDigital Record ManagementCredit Assessment Template ImprovementComplex Application Assessment

Soft Skills

Problem-SolvingClear CommunicationSelf-Management

Tools & Technologies

MYCRMNZFSG

Certifications & Qualifications

New Zealand Certificate in Financial Services

Industry Keywords

Mortgage IndustryLender PoliciesCompliance StandardsFinancial ServicesResidential Lending

About the role

Key responsibilities & impact

Review client applications and supporting documentation, including payslips, bank statements, loan statements, tax returns, and financial accounts
Analyze income, expenses, assets, liabilities, credit commitments, and deposit positions
Calculate borrowing capacity, assess affordability, and identify unusual transactions, undisclosed liabilities, or income inconsistencies
Document assumptions, calculations, credit risks, and outstanding requirements, escalating complex or higher-risk files
Complete lender serviceability calculators and model loan amounts, structures, terms, and repayment scenarios
Compare servicing outcomes across New Zealand lenders
Review proposed lending structures for compliance with lender policy and prepare scenario summaries
Recalculate serviceability when interest rates, lending requirements, or client circumstances change
Research and interpret New Zealand bank and non-bank lender policies
Maintain internal policy reference notes, matrices, and reference materials
Direct inquiries to lender representatives when authorized and communicate policy changes to the advisory team
Ensure applications and supporting documents are complete, current, accurate, and ready for submission
Draft application summaries and supporting credit notes
Assist with submitting applications via approved lender platforms and monitor progress
Manage outstanding conditions, valuations, pricing requests, and approvals
Support purchases, pre-approvals, refinancing, restructuring, top-ups, and refixes
Maintain complete and compliant digital records in MYCRM and NZFSG
Record detailed file notes on client, adviser, lender, and third-party interactions
Support suitability and compliance documentation under adviser direction while safeguarding client confidentiality
Flag missing approvals or compliance concerns and support internal file reviews or audits
Contact clients to request documents and clarify information without providing unauthorized financial advice
Liaise with lenders, bank assessors, valuers, conveyancers, and accountants
Improve credit assessment templates, calculators, and internal checklists

Requirements

What you’ll need

Demonstrated recent experience as a Credit Analyst, Mortgage Adviser Assistant, Loan Processor, or Parabroker within the New Zealand mortgage industry
Strong practical understanding of New Zealand residential lending, lender policies, and required application documentation
Hands-on experience using MYCRM and NZFSG is required
Proven capability to complete and interpret lender serviceability calculators, analyze complex income structures, and evaluate credit risks
Excellent written and spoken English
High numerical accuracy and strong problem-solving skills
Ability to explain complex requirements clearly
Reliable internet connection and quiet home-office setup
Availability to work during agreed New Zealand business hours
Relevant qualification in finance, banking, accounting, business, or financial services is advantageous, not required
New Zealand Certificate in Financial Services or equivalent is beneficial but not essential
Equivalent practical experience will be considered
Preferred: experience assessing complex applications for first-home buyers, existing homeowners, and property investors across bank and non-bank lenders
Preferred: experience evaluating self-employed borrowers and reviewing financial statements and tax returns
Preferred: knowledge of current New Zealand mortgage industry compliance expectations and standards
Preferred: experience collaborating directly with Mortgage Advisers or business principals
Preferred: track record of creating lender matrices, credit assessment templates, or internal processing workflow improvements
Strong self-management skills to run multiple files simultaneously
Up-to-date knowledge of evolving credit criteria