LogoFresh Jobs Ahead
Pear Tree.
Pear Tree.
1 – 10 Employees
Skilled Worker Visa SponsorConsultingLogisticsMarketing
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.
LinkedIn
Company Jobs

Senior Mortgage Credit Analyst - Philippines Remote

Manage Australian residential mortgage applications from initial assessment through settlement. Evaluate lender policies, structure loans, prepare compliant submissions, and coordinate approvals with brokers, lenders, clients, and conveyancers.

PHPhilippines
₱80,000 – ₱120,000 / month
RemoteFull-timeSeniorEnglish RequiredAnalyst

Description

  • Own residential loan files from returned documentation through assessment, lender selection, lodgement, formal approval, and settlement.
  • Check income, expenses, liabilities, and supporting documents for gaps, inconsistencies, and credit concerns.
  • Calculate serviceability with Quickli and lender-specific tools, including verification of complex income and liability arrangements.
  • Develop loan structures that reflect client goals, stated assumptions, and applicable lending policies.
  • Investigate lender criteria and compare solutions by client needs, servicing capacity, pricing, fees, and product features.
  • Arrange property valuations and pricing requests while consulting lender BDMs and credit teams on policy eligibility.
  • Submit well-supported lender shortlists and proposed structures to the Principal Broker.
  • Draft BID support notes, lender comparisons, credit proposals, and application submission summaries.
  • Maintain accurate records and file notes in Connective Mercury and build compliant applications in Apply Online.
  • Secure broker approval for the selected lender, structure, and supporting documents before submission.
  • Monitor applications from conditional approval through formal approval and settlement.
  • Work with lenders, clients, and conveyancers to resolve conditions and complete settlement requirements.
  • Keep clients informed on operational progress and maintain current Mercury tasks and milestones.
  • Progress files independently, flag risks and deadlines, and sustain effective checklists and repeatable workflows.

Requirements

  • At least four years of hands-on experience supporting Australian residential mortgage broking, with ownership spanning assessment through settlement.
  • Required: practical proficiency with Connective Mercury and Apply Online.
  • Demonstrated capability in detailed serviceability assessment, policy research, and loan structuring beyond routine application administration.
  • Experience preparing BID rationale, credit proposals, and lender submission notes for broker review.
  • Strong document-verification skills, including PAYG income assessment and basic self-employed scenarios.
  • Excellent written and spoken English for professional communication with clients, lenders, and BDMs.
  • Quickli experience and familiarity with a broad range of Australian lender calculators are preferred.
  • Experience in a referral-based broking environment processing a consistent flow of approximately 8–10 files per month is preferred.
  • Independent, proactive working style with early escalation of blockers and practical proposed solutions.
  • Careful attention to detail when reviewing documents, policy exceptions, and calculations before lodgement.
  • Sound judgment about when to proceed independently and when to obtain Principal Broker approval.
  • Strong organization skills for managing concurrent files, accurate CRM records, and timely client updates.

Related Jobs

nbn® Australia

Senior Intelligence Translator

nbn® Australia
1,001 – 5,000 Employees
Telecommunications
AUAustraliaOn-siteFull-timeSeniorEnglish RequiredTranslator

Turn complex business and data challenges into clear insights, dashboards and performance frameworks at nbn, Australia’s national fibre infrastructure provider. Work across business and technical teams to strengthen insight-led decision-making.

Open