Pear Tree.Pear Tree.

Credit Analyst

Added 10 days ago

Position: Credit Analyst

Salary: PHP 90,000 - 119,000/mo

Working Hours & Conditions: Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

ABOUT THE COMPANY: 

The client is a leading mortgage and finance brokerage based in Parramatta/Concord, Sydney. They specialise in delivering strategic lending solutions across the Australian property market.

With over 1,000 successful transactions and hands-on experience as property investors, they work with a broad panel of lenders to structure tailored finance solutions for:

  • First-home buyers
  • Experienced property investors
  • Self-employed clients

Their mission is simple – to simplify complex lending and help clients build long-term wealth through smart financial strategies and ongoing partnerships.

OVERVIEW:

We are looking for an experienced Senior Credit Analyst to become a key driver of the client's operations.

This is not a junior processing role. You will play a strategic, client-focused role where your expertise directly influences deal outcomes. We are seeking someone who understands the “why” behind credit decisions, not just the process.

You will take ownership of the end-to-end loan lifecycle, from structuring and assessment through to submission and approval, working on a wide range of complex lending scenarios including:

  • Self-employed lending (Full-doc & Alt-doc)
  • Refinancing, equity releases, and portfolio expansion (4+ properties)
  • SMSF lending
  • (Bonus) Exposure to commercial lending or asset finance

RESPONSIBILITIES:

  • End-to-End Loan Ownership:

  • Manage the full credit process within MyCRM

  • Structure applications in line with aggregator (Loan Market) and lender requirements

  • Strategic Credit Analysis:

  • Assess client financials, servicing capacity, and risk profiles

  • Recommend optimal lending strategies and products

  • Compliance & Quality Assurance:

  • Perform detailed checks on all documentation

  • Ensure accuracy and minimise rework or lender queries

  • Lender & Stakeholder Management:

  • Liaise with a panel of 40+ lenders

  • Navigate policy nuances and advocate for approvals

  • Process Improvement:

  • Identify inefficiencies and implement scalable workflows

  • Contribute to operational growth and efficiency

  • Team Support & Mentorship:

  • Guide junior team members and VAs

  • Act as the escalation point for complex scenarios

QUALIFICATIONS:

  • Relevant Experience:

  • 4+ years in the Australian mortgage broking industry

  • Educational Background:

  • Degree in Finance, Accounting, Business, or a related field

  • Strong Critical Thinking:

  • Ability to interpret the full financial picture beyond checklists

  • Excellent Communication Skills:

  • Clear, professional English (written & verbal)

  • Ability to explain complex lending scenarios simply

  • High Level of Independence:

  • Self-driven and confident in decision-making

  • Able to manage workload without constant supervision

  • Exceptional Attention to Detail:

  • A precision mindset — accuracy is non-negotiable

  • Technical Expertise (Essential):

  • Advanced experience with MyCRM

  • Strong familiarity with Loan Market aggregator systems

  • Deep understanding of Australian lending policies and servicing calculators

  • Reliable Remote Setup:

  • Stable high-speed internet and dependable work environment aligned with AEST hours

Why Join Us?

  • Work with a high-performing, growth-focused brokerage
  • Exposure to complex, high-value deals (not just basic processing)
  • Opportunity to play a key role in scaling the business
  • Long-term career growth with a strategic, forward-thinking team