{"id":630927,"url":"https://alion.io/job/d2b-senior-credit-analyst","title":"Senior Credit Analyst","company":{"id":709562,"name":"Pear Tree","domain":"pear-tree.com","url":"https://alion.io/company/pear-tree","size_band":null,"is_staffing_agency":true,"employer_type":"agency","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":{"grade":"B","score":76,"open_postings":149,"ghost_share":0,"stale_share":0.973,"repost_share":0.007,"time_to_fill_p50_days":26,"computed_at":"2026-11-06T05:58:05Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"board_field","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Manila, Philippines"],"countries":["PH"],"hiring_countries":["PH"],"hiring_countries_total":1,"salary":{"min":3100,"max":4200,"currency":"AUD","period":"month","gross":null,"usd_annual":35412},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-06-09T00:00:00Z","employer_posted_date":"2026-06-09","last_verified_at":"2026-11-06T12:52:06Z","board_verified":true,"closed_at":null,"days_open":150,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":150},"description":"Position: Senior Credit Analyst\nSalary: AU$3,100-AU$4,200/month\nWork Schedule: 9:00AM - 6PM Philippine Time\nOVERVIEW:\nThe Credit Analyst is responsible for supporting mortgage brokers by managing the end-to-end loan processing cycle. This includes collating client supporting documents, initial credit pre-assessment, credit proposal creation, preparing, reviewing, and submitting loan applications, liaising with the broker, clients, lenders and referral partners, and ensuring all compliance and documentation requirements are met to deliver a seamless customer experience.\nRESPONSIBILITIES:\nLiaise internally with Directors, Mortgage Brokers, Broker Support Team\nLiaise externally with Clients, Lenders and Banks, Solicitors and Conveyancers, Referral Partners, Real Estate Agents\nLoan Application, Processing & Settlement\nAccurately prepare, review, and submit loan applications in a timely manner by referring to submission/application checklist and following company standardised processes. \nVerify client information and documentation to meet lender requirements and compliance standards. \nLiaise with lenders, solicitors, conveyancers, real estate agents, clients and referral partners to track the progress of applications and resolve any issues or delays. \nClient Consultation and Credit Analysis\nAct as the primary point of contact for clients during the loan processing phase (pre-assessment to settlement). \nProvide personalised guidance on mortgage options based on clients' needs and preferences collaboratively with the broker by referring to credit assessment checklists, following company standardised processes and completing company standardised pre-assessment/loan proposals. \nClearly explain mortgage terms, interest rates, and repayment plans to clients as necessary. \nProvide updates and respond to client inquiries regarding their applications. 5. Guide clients through the document collection process, ensuring all necessary paperwork is received and complete. \nCompliance and Documentation\nEnsure all applications meet regulatory, lender and company compliance standards.\nReview loan documents with clients to ensure understanding and accuracy. \nMaintain up-to-date knowledge of lender policies, products, and industry regulations.\nFollow credit assessment checklist and process. \nKeep accurate records of all client interactions and document submissions in the CRM system. \nEnsure client data is correctly filed in the database folder system to the company standard format and file naming conventions.\nCustomer Relationship Management\nBuild and maintain strong relationships with clients, lenders and external industry and referral partner contacts.\nProvide ongoing support and guidance throughout the mortgage process, addressing any concerns or questions.\nComplete regular annual product interest rate reviews (post settlement) with clients to ensure satisfaction and explore opportunities for future business. \nProfessional Development\nStay updated on industry regulations, market developments, and best practices through continuous education and training.\nObtain necessary licences and certifications as required to ensure compliance with regulatory requirements.\nAttend regular online and face to face industry and lender training as required.Team Collaboration\n\nWork closely with mortgage brokers to ensure a smooth handover from application to approval stages.\nImmediately raise any concerns or queries on files in progress to the mortgage broker.\nProvide feedback to brokers and management on process improvements or recurring challenges.\nParticipate in team meetings and training sessions as required. \nKey Performance Indicators\nAccuracy and timeliness of initial pre-assessment/loan proposal.\nAccuracy and timeliness of loan submissions.\nClient satisfaction scores and feedback.\nPercentage of approved loans versus applications submitted.\nPercentage of accurate loan submissions with nil errors/unnecessary submission rework.\nPercentage of loan settlements meeting required deadlines.\nCompliance audit results.\nSubmission and pre-assessment process audit results.\nCompletion of annual reviews.\nRequirements\nQUALIFICATIONS:\nSolid 5 years experience in credit analysis in an AU Mortgage Broking Industry\nExceptional customer service\nStrong understanding of mortgage, asset finance, personal loan and business/commercial loan products and application processes.\nExperience in loan processing, financial services, or a related field.\nProficiency in CRM systems and loan submission platforms.\nExcellent attention to detail and organisational skills.\nStrong communication skills (verbal and written).\nPositive attitude and strong work ethic\nDemonstrated problem solving ability\nExcellent time management & planning\nExperience with Mercury CRM (essential) and Microsoft\nLeadership\nBehaviors Required\nTeamwork\nCustomer focused\nQuality and Safety Focused\nBeing Motivated\nLoyalty to the job and business\nHonesty and Integrity\nAbility to work both autonomously & collaboratively\nPREFERRED SKILLS (nice to have):\nCertificate IV in Finance and Mortgage Broking or equivalent.\nPrevious experience in a mortgage broking firm or lending institution.\nKnowledge of regulatory requirements in the financial services industry","description_format":"text","description_chars":5244,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Professional development"],"hiring_locations":[{"name":"Philippines","iso":"PH","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Real Estate 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