Pear Tree. is a Melbourne-born offshore recruitment and hiring services company helping businesses in Australia, the United States, and the United Kingdom build teams with skilled offshore professionals, primarily in the Philippines. Its services cover the full hiring process, including candidate sourcing, screening, skills assessments, video interviews, and reference checks. Pear Tree. also supports payroll, Employer of Record arrangements, compliance, and onboarding, with a six-month replacement guarantee. The company recruits for roles across IT, sales and marketing, finance, creative, administration, and operations, with a direct-hiring model designed to reduce agency markups and connect businesses more closely with their offshore talent.
New Zealand Mortgage Credit Analyst
Assess New Zealand mortgage applications, calculate serviceability, and research lender policies remotely from the Philippines. Prepare compliant submissions for first-home buyers, homeowners, and property investors.
Description
- Review mortgage applications and supporting financial documents, including payslips, bank and loan statements, tax returns, and accounts.
- Analyze income, expenses, assets, liabilities, credit commitments, and deposit positions.
- Calculate borrowing capacity and affordability, and identify unusual transactions, undisclosed liabilities, or income inconsistencies.
- Record assumptions, calculations, credit risks, and outstanding requirements; escalate complex or higher-risk files.
- Use lender serviceability calculators to model loan amounts, structures, terms, and repayment scenarios.
- Compare serviceability results across New Zealand lenders.
- Check proposed lending structures against lender policies and prepare scenario summaries.
- Reassess serviceability when rates, lending requirements, or client circumstances change.
- Research and interpret policies from New Zealand banks and non-bank lenders.
- Maintain internal lender policy notes, matrices, and reference materials.
- Refer inquiries to lender representatives when authorized and share policy updates with the advisory team.
- Check that applications and supporting documents are complete, current, accurate, and submission-ready.
- Prepare application summaries and supporting credit notes.
- Help submit applications through approved lender platforms and track their progress.
- Manage outstanding conditions, valuations, pricing requests, and approvals.
- Support purchases, pre-approvals, refinancing, restructuring, top-ups, and refixes.
- Keep complete, compliant digital records in MYCRM and NZFSG.
- Document interactions with clients, advisers, lenders, and third parties in detailed file notes.
- Support suitability and compliance records under adviser direction and protect client confidentiality.
- Flag missing approvals or compliance concerns and assist with file reviews and audits.
- Request documents from clients and clarify information without giving unauthorized financial advice.
- Coordinate with lenders, bank assessors, valuers, conveyancers, and accountants.
- Improve credit assessment templates, calculators, and internal checklists.
Requirements
- Recent experience as a Credit Analyst, Mortgage Adviser Assistant, Loan Processor, or Parabroker in New Zealand's mortgage industry.
- Strong working knowledge of New Zealand residential lending, lender policies, and application documentation.
- Hands-on experience with MYCRM and NZFSG.
- Experience completing and interpreting lender serviceability calculators, analyzing complex income, and assessing credit risk.
- Excellent written and spoken English.
- High numerical accuracy and strong problem-solving ability.
- Ability to explain complex requirements clearly.
- Reliable internet access and a quiet home office.
- Availability during agreed New Zealand business hours.
- A relevant qualification in finance, banking, accounting, business, or financial services is advantageous but not required.
- A 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, homeowners, and property investors with bank and non-bank lenders.
- Preferred: experience assessing self-employed borrowers and reviewing financial statements and tax returns.
- Preferred: knowledge of current New Zealand mortgage compliance expectations and standards.
- Preferred: experience working directly with Mortgage Advisers or business principals.
- Preferred: experience developing lender matrices, credit assessment templates, or internal processing improvements.
- Strong self-management skills to handle multiple files at once.
- Current knowledge of changing credit criteria.