Senior Mortgage Credit Analyst

Pear Tree.

. Take complete ownership of residential loan files from returned client documentation through detailed assessment, lender selection, lodgement, formal approval, and settlement.

Posted 10/9/2026full-timeRemote • PhilippinesSenior💰 ₱80,000 - ₱120,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in residential mortgage broking, including detailed serviceability assessment, loan structuring, and compliance with lender policies. Proficient in managing client documentation and communication while ensuring timely progression through the loan approval process.

Highest-signal resume keywords

Residential Mortgage BrokingServiceability AssessmentConnective MercuryApply Online (AOL)BID Supporting Rationale

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan StructuringDocument VerificationIncome AssessmentPolicy ResearchCalculation VerificationLender SubmissionFile ManagementClient CommunicationOperational ChecklistsProactive Problem Solving

Soft Skills

Attention to DetailOrganizational SkillsProfessional CommunicationSelf-Starter MindsetTime Management

Tools & Technologies

QuickliAustralian Lender CalculatorsConnective MercuryApply Online (AOL)

Industry Keywords

Residential LoansLender PoliciesBrokerage EnvironmentClient DocumentationSettlement Requirements

About the role

Key responsibilities & impact

Take complete ownership of residential loan files from returned client documentation through detailed assessment, lender selection, lodgement, formal approval, and settlement.
Review income, expenses, liabilities, and supporting documentation for missing information, discrepancies, and credit issues.
Conduct serviceability calculations using Quickli and individual lender calculators, verifying complex income streams and liability structures.
Formulate proposed loan structures aligned with client objectives, assumptions, and policy considerations.
Research lender policies and evaluate options based on client requirements, servicing capacity, pricing, fees, and product features.
Order property valuations and pricing requests; liaise with lender BDMs and credit teams regarding policy eligibility.
Present justified lender shortlists and structural proposals to the Principal Broker.
Prepare BID supporting notes, lender comparison rationale, credit proposal documents, and submission summaries.
Maintain client records and file notes in Connective Mercury; construct compliant applications in Apply Online (AOL).
Obtain broker approval for lenders, structures, and documentation before formal submission.
Track applications through conditional approval, formal approval, and settlement.
Coordinate with lenders, clients, and conveyancers to clear conditions and satisfy settlement requirements.
Provide operational client updates and keep Mercury tasks and milestones current.
Drive file progression independently, report blockers and deadlines, and maintain operational checklists and repeatable processes.

Requirements

What you’ll need

Minimum 4+ years of hands-on experience supporting Australian residential mortgage broking, with demonstrated responsibility from initial assessment through to settlement.
Essential proficiency in Connective Mercury and Apply Online (AOL).
Proven track record in detailed serviceability assessment, policy research, and loan structuring beyond standard application administration.
Direct experience drafting BID supporting rationale, credit proposals, and lender submission notes for broker review.
Strong document verification skills, including PAYG income assessment and straightforward self-employed scenario evaluation.
Exceptional written and spoken English with the confidence to communicate professionally with clients, lenders, and BDMs.
Experience with Quickli serviceability software and a wide array of Australian lender-specific calculators preferred.
Exposure to a referral-based broking environment handling steady monthly file flows of 8–10 files/month preferred.
Proactive self-starter mindset that acts on next steps independently and escalates blockers early alongside proposed solutions.
Meticulous attention to detail to catch document discrepancies, policy edge cases, and calculation errors before lodgement.
Clear understanding of decision boundaries, knowing when to execute independently versus when to seek Principal Broker sign-off.
Excellent organizational skills to keep multiple files moving concurrently while maintaining clean CRM records and timely client communication.