Pear Tree.CREDIT ANALYST / LOAN PROCESSOR
Position: CREDIT ANALYST / LOAN PROCESSOR
Salary range: up to ₱100,000+ PHP) (The final amount will be at the the client discretion basing on the candidate’s skills and experience.)
Working Hours:
Work set-up: 100% Remote work
Holidays: New Zealand Public Holidays
ABOUT THE COMPANY
Our client is a premier Australian mortgage brokerage dedicated to providing high-level strategic financial solutions for a diverse range of residential and investment needs. Operating in a high-growth environment, the firm prides itself on a "toxic-free" and supportive culture where long-term professional development is prioritized alongside operational excellence. The team leverages advanced industry tools and a streamlined workflow to ensure seamless loan processing and a superior client experience within the Australian property market.
ABOUT THE ROLE
As a Credit Analyst and Loan Processor, you will manage the end-to-end mortgage journey, from initial financial analysis and serviceability calculations to final loan lodgment. You will be responsible for evaluating complex income structures, ensuring strict compliance with "Best Interests Duty" (BID) guidelines, and proactively managing lender requests to secure timely approvals. This role requires a highly analytical professional who can navigate the intricacies of Australian lending policy while maintaining clear communication with brokers, lenders, and clients.
Key Duties & Responsibilities
1. Financial Analysis & Credit Assessment
- Income Verification: Analyze complex income structures, including PAYG (base, overtime, bonuses, commissions) and self-employed financials (Tax Returns and Financial Statements).
- Serviceability Calculations: Utilize lender-specific calculators (e.g., CBA, NAB, Westpac, ANZ, Macquarie) and tools like Quickli to determine maximum borrowing capacity.
- Liability Management: Review Credit Reporting (CCR) and bank statements to validate existing liabilities, including home loans, personal loans, and credit cards.
- Complex Scenarios: Structure deals involving multiple investment properties, equity releases (cash-outs), and complex structures like SMSF or Trusts.
2. Loan Processing & Lodgment
- Data Entry: High-accuracy data entry into CRM systems such as Salestrekker/Pipedrive and lodgment via ApplyOnline or lender portals.
- Compliance & Documentation: Prepare and audit credit guides, initial checklists, and Product Comparison emails to ensure all "Best Interests Duty" (BID) requirements are met.
- File Management: Order valuations, request pricing discounts from lenders, and manage the "Funds to Complete" breakdown for purchases.
3. Pipeline & Stakeholder Management
- MIR Resolution: Proactively address Missing Information Requests (MIR) from lenders to ensure a "one-touch approval" goal.
- B2B Communication: Liaise with Business Development Managers (BDMs) for policy clarifications and status updates.
- Client Coordination: Communicate with clients via email to request documents and clarify income inconsistencies.
Required Skills & Qualifications
- Experience: Minimum 2+ years of experience in the Australian Mortgage Industry (Lender or Broker side).
- Technical Proficiency: Advanced skills in reading pay slips, tax returns, and servicing calculators.
- Product Knowledge: Familiarity with Negative Gearing, LVR constraints, and various loan purposes (Refinance, Purchase, Construction, SMSF).
- Soft Skills: Exceptional attention to detail, ability to handle high volumes (10-15 files/day), and a commitment to long-term professional growth.
- Tools: Experience with Quickli, ApplyOnline, and major bank portals is highly preferred.