{"id":2424012,"url":"https://alion.io/job/pear-tree-credit-analyst-nz-experience","title":"Credit Analyst (NZ Experience)","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":132,"ghost_share":0,"stale_share":0.962,"repost_share":0,"time_to_fill_p50_days":26,"computed_at":"2026-10-22T06:10:10Z"}},"role":"Finance","role_family":"Finance","seniority":null,"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":null,"salary_estimate":{"min_usd":10500,"max_usd":24000,"period":"year","method":"role_country_seniority_unknown","sample_n":81},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-13T06:43:11Z","employer_posted_date":"2026-10-13","last_verified_at":"2026-10-22T14:56:08Z","board_verified":true,"closed_at":null,"days_open":9,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":9},"description":"Position: Credit Analyst (NZ)\nWorking Hours & Conditions: New Zealand business hours\nWork Type: Independent Contractor\nABOUT THE COMPANY:\nThe company a premier New Zealand mortgage advisory business dedicated to supporting first-home buyers, existing homeowners, and property investors. The business provides tailored advice and assistance across home purchases, pre-approvals, refinancing, restructuring, top-ups, and investment-property lending. The company focuses on guiding clients seamlessly through the lending journey and structuring mortgages that align with their specific financial circumstances and long-term goals.\nROLE OVERVIEW:\nThe client is seeking an experienced and detail-oriented Credit Analyst with practical, recent experience in the New Zealand residential mortgage market to strengthen its application assessment, lender research, and submission capabilities.\nIn this analytical support role, you will analyze clients’ financial positions, assess borrowing capacity, complete complex serviceability calculations, and identify suitable bank and non-bank lender options based on current credit policies. Working closely with the Company Director and Mortgage Advisers, you will develop lending scenarios, prepare accurate mortgage applications, and identify credit risks or missing information prior to submission.\nNote: This is an analytical support role. All final lending strategies, regulated financial advice, and recommendations to clients remain subject to review and approval by the authorized Mortgage Adviser.\nRESPONSIBILITIES:\nCredit Assessment & Financial Analysis\nReview client applications and supporting documentation (payslips, bank statements, loan statements, tax returns, and financial accounts).\nAnalyze income, expenses, assets, liabilities, credit commitments, and deposit positions across salaried, self-employed, and investment-property clients.\nCalculate borrowing capacity, assess affordability, and identify unusual transactions, undisclosed liabilities, or income inconsistencies.\nDocument assumptions, calculations, credit risks, and outstanding requirements clearly, escalating complex or higher-risk files as appropriate.\nServiceability & Lending Scenarios\nAccurately complete lender serviceability calculators and model various loan amounts, structures, terms, and repayment scenarios.\nCompare servicing outcomes across New Zealand lenders, taking into account debt, credit limits, rental income, and specific servicing rules.\nReview proposed lending structures for compliance with lender policy and prepare scenario summaries for the Mortgage Adviser.\nRecalculate serviceability upon changes in interest rates, lending requirements, or client circumstances while maintaining meticulous records of calculations.\nLender Policy Research\nResearch and interpret current New Zealand bank and non-bank lender policies, comparing criteria across income treatment, deposit requirements, LVR restrictions, and acceptable securities.\nMaintain internal policy reference notes, matrices, and reference materials.\nDirect inquiries to lender representatives when authorized and communicate relevant policy changes to the advisory team.\nApplication Preparation & Submission Support\nEnsure applications and supporting documents are complete, current, accurate, and ready for submission.\nDraft comprehensive application summaries and supporting credit notes to clearly present client financial positions.\nAssist with submitting applications via approved lender platforms, monitoring progress, and managing outstanding conditions, valuations, pricing requests, and approvals.\nSupport all transaction types including purchases, pre-approvals, refinancing, restructuring, top-ups, and refixes.\nCompliance, File Quality & CRM Management\nEnsure complete, compliant, and well-organized digital records in MYCRM and NZFSG.\nRecord detailed file notes on all client, adviser, lender, and third-party interactions.\nSupport the preparation of suitability and compliance documentation under adviser direction while safeguarding client confidentiality.\nFlag missing approvals or potential compliance concerns and support internal file reviews or audits.\nStakeholder Communication & Process Improvement\nContact clients to request documents and clarify information clearly without providing unauthorized financial advice.\nLiaise professionally with lenders, bank assessors, valuers, conveyancers, and accountants.\nHelp improve credit assessment templates, calculators, and internal checklists to minimize processing delays and rework.\nRequirements\nIndustry Experience: Demonstrated recent experience as a Credit Analyst, Mortgage Adviser Assistant, Loan Processor, or Parabroker within the New Zealand mortgage industry.\nMortgage Knowledge: Strong practical understanding of New Zealand residential lending, lender policies, and required application documentation.\nSystems Proficiency: Hands-on experience using MYCRM and NZFSG is required.\nTechnical & Analytical Skills: Proven capability to complete and interpret lender serviceability calculators, analyze complex income structures (salaried, self-employed, investors), and evaluate credit risks.\nCommunication & Detail: Excellent written and spoken English, high numerical accuracy, strong problem-solving skills, and the ability to explain complex requirements clearly.\nWorkplace Setup: A reliable internet connection, a quiet home-office setup, and availability to work during agreed New Zealand business hours.\nEducation: A relevant qualification in finance, banking, accounting, business, or financial services is advantageous. A New Zealand Certificate in Financial Services (or equivalent) is beneficial but not essential. Equivalent practical experience will be considered.\nPreferred\nExperience assessing complex applications for first-home buyers, existing homeowners, and property investors across both bank and non-bank lenders.\nHands-on experience evaluating self-employed borrowers and reviewing financial statements/tax returns.\nKnowledge of current New Zealand mortgage industry compliance expectations and standards.\nExperience collaborating directly with Mortgage Advisers or business principals.\nTrack record of creating lender matrices, credit assessment templates, or internal processing workflow improvements.\nWhat You’ll Bring\nAnalytical Rigor: An eagle eye for detail with an innate ability to spot inconsistencies, unstated liabilities, and hidden risks in financial documents.\nProactive Ownership: Strong self-management skills to run multiple files simultaneously while keeping deadlines, tasks, and follow-ups strictly organized.\nClear Communication: Professionalism and clarity when liaising with internal team members, clients, and external stakeholders.\nAdaptability: Up-to-date knowledge of evolving credit criteria and a continuous-improvement mindset toward internal templates and workflows.","description_format":"text","description_chars":6899,"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":[{"language":"English","level":"All levels","optional":false}]},"benefits":[],"hiring_locations":[{"name":"Philippines","iso":"PH","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":[],"lifecycle":[{"event":"open","at":"2026-10-13T06:43:11Z"}],"visa":[],"liveness":{"score":34,"band":"fade","label":"Fading","p_open":1,"p_active":0.344,"p_room":1,"age_days":8,"expected_fill_days":26,"reasons":["conf:9","agency","stale_co","velocity","win:early","comp:brand"],"computed_at":"2026-10-22T06:10:10Z"},"pay":null,"html_url":"https://alion.io/job/pear-tree-credit-analyst-nz-experience","json_url":"https://alion.io/job/pear-tree-credit-analyst-nz-experience.json","meta":{"generated_at":"2026-10-22T16:30:32Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":16819,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-23T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":709562},"rest":"https://alion.io/mcp/rest/get_company?id=709562"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fpear-tree-credit-analyst-nz-experience"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fpear-tree-credit-analyst-nz-experience"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fpear-tree-credit-analyst-nz-experience"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/pear-tree-credit-analyst-nz-experience\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fpear-tree-credit-analyst-nz-experience"}]}