Pear Tree.

Senior Credit Analyst – AU Mortgage Experience

Pear Tree.
Posted 10/22/2026full-timeRemote • PhilippinesSenior💰 ₱90,000 - ₱120,000 per monthWebsite
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Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in Australian mortgage broking and credit analysis, with a strong focus on structuring complex deals, managing loan applications, and liaising with lenders and stakeholders. Proficient in using Connective and Mercury CRM to ensure accurate documentation and compliance with lender policies.

Highest-signal resume keywords
Australian Mortgage Broking ExperienceComplex Deal StructuringConnective ProficiencyMercury CRM ExperienceRefinance And Equity Release Knowledge

About the role

Key responsibilities & impact
  • Analyze borrower scenarios, including PAYG, self-employed, and complex structures
  • Structure deals across refinances, cash-out/equity release, pre-approvals, multi-lender/proprietary products, and basic SMSF lending
  • 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

What you’ll need
  • 4+ years in Australian mortgage broking / credit analysis
  • Strong experience with complex deals, including non-vanilla PAYG scenarios
  • Experience with refinance and equity release scenarios
  • Experience with pre-approvals and submissions
  • Hands-on experience with Connective (non-negotiable)
  • Experience with Mercury CRM strongly preferred
  • Solid understanding of lender policies and servicing
  • SMSF lending exposure nice to have
  • Experience with non-bank / specialist lenders nice to have

Benefits

Comp & perks
  • Remote work
  • Full-time schedule aligned with Australian hours
  • Australian public holidays

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
Credit AnalysisLoan Application PreparationDeal StructuringRisk IdentificationSupporting Document ReviewMIR ManagementPre-Approval ProcessingEquity Release StructuringPAYG Scenario AnalysisSMSF Lending Exposure
Soft Skills
Stakeholder LiaisonCommunication SkillsAttention To DetailProblem Solving
Tools & Technologies
ConnectiveMercury CRM
Industry Keywords
Non-Bank LendersSpecialist LendersLender PoliciesCredit StrengthPipeline Management