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Mortgage Credit Analyst – AU
Location
Philippines
Posted
6 days ago
Salary
0
Seniority
Senior
Job Description
Mortgage Credit Analyst – AU
Pear Tree.
• Analyse borrowers' financial positions, income, liabilities, assets, and living expenses. • Review payslips, tax returns, financial statements, bank statements, and supporting documentation. • Identify undisclosed liabilities, recurring expenses, and potential credit risks. • Verify borrower information against supporting documents and lender requirements. • Assess serviceability and borrowing capacity using lender calculators. • Review loan structures and recommend suitable lending options for broker review. • Ensure applications align with lender credit policies and responsible lending obligations. • Prepare accurate loan applications within Connective Mercury. • Enter borrower and security information into CRM and lender systems. • Package complete applications for broker review and submission through ApplyOnline. • Upload and organise all supporting documents. • Complete lender-specific application requirements and checklists. • Order property valuations and review valuation reports. • Prepare pricing requests and assist with lender negotiations where required. • Review identification documents and verify compliance with lender requirements. • Ensure all mandatory documentation has been received before submission. • Complete compliance documentation based on broker file notes and customer interviews. • Maintain accurate client records, application notes, and document management within CRM. • Ensure all files meet internal quality assurance and compliance standards. • Monitor application progress from submission through approval and settlement. • Track lender turnaround times and outstanding conditions. • Liaise with lenders, brokers, solicitors, and clients to obtain additional information where required. • Keep brokers informed of application progress and any credit concerns. • Review loan offers for accuracy before settlement. • Maintain accurate CRM records and client files. • Monitor shared inboxes and action lender or client requests. • Assist with administrative tasks to support the mortgage team. • Prepare documentation using Adobe and Microsoft Office. • Assist with marketing collateral using Canva when required.
Job Requirements
- Previous experience as a **Credit Analyst**, Credit Assessor, or Mortgage Credit Analyst supporting an Australian mortgage broker or lender.
- Strong understanding of Australian residential lending policies and credit assessment principles.
- Demonstrated experience analysing financial documents and assessing borrower serviceability.
- Ability to identify lending risks and recommend appropriate loan structures.
- Experience reviewing bank statements, payslips, tax returns, liabilities, and supporting financial documents.
- Strong understanding of responsible lending obligations and compliance requirements.
- Hands-on experience using **Connective Mercury** and **ApplyOnline (AOL).**
- Excellent analytical, organisational, and problem-solving skills.
- High level of accuracy and attention to detail.
- Excellent written and verbal English communication skills.
- Preferred
- Experience working with multiple Australian lenders.
- Knowledge of lender credit policies and servicing calculators.
- Experience with pricing requests and valuation ordering.
- Proficiency in Microsoft Excel, Google Workspace, Adobe Acrobat, and Canva.
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