Liaise internally with Directors, Mortgage Brokers, Broker Support Team
Liaise externally with Clients, Lenders and Banks, Solicitors and Conveyancers, Referral Partners, Real Estate Agents

Loan Application, Processing & Settlement

Accurately prepare, review, and submit loan applications in a timely manner by referring to submission/application checklist and following company standardised processes.
Verify client information and documentation to meet lender requirements and compliance standards.
Liaise with lenders, solicitors, conveyancers, real estate agents, clients and referral partners to track the progress of applications and resolve any issues or delays.

Client Consultation and Credit Analysis

Act as the primary point of contact for clients during the loan processing phase (pre-assessment to settlement).
Provide 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.
Clearly explain mortgage terms, interest rates, and repayment plans to clients as necessary.
Provide 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.

Compliance and Documentation

Ensure all applications meet regulatory, lender and company compliance standards.
Review loan documents with clients to ensure understanding and accuracy.
Maintain up-to-date knowledge of lender policies, products, and industry regulations.
Follow credit assessment checklist and process.
Keep accurate records of all client interactions and document submissions in the CRM system.
Ensure client data is correctly filed in the database folder system to the company standard format and file naming conventions.

Customer Relationship Management

Build and maintain strong relationships with clients, lenders and external industry and referral partner contacts.
Provide ongoing support and guidance throughout the mortgage process, addressing any concerns or questions.
Complete regular annual product interest rate reviews (post settlement) with clients to ensure satisfaction and explore opportunities for future business.

Professional Development

Stay updated on industry regulations, market developments, and best practices through continuous education and training.
Obtain necessary licences and certifications as required to ensure compliance with regulatory requirements.
Attend regular online and face to face industry and lender training as required.

Team Collaboration

Work closely with mortgage brokers to ensure a smooth handover from application to approval stages.
Immediately raise any concerns or queries on files in progress to the mortgage broker.
Provide feedback to brokers and management on process improvements or recurring challenges.
Participate in team meetings and training sessions as required.

Minimum 5 years experience in AU Mortgage Broking Industry
Exceptional customer service
Strong understanding of mortgage, asset finance, personal loan and business/commercial loan products and application processes.
Experience in loan processing, financial services, or a related field.
Proficiency in CRM systems and loan submission platforms.
Excellent attention to detail and organisational skills.
Strong communication skills (verbal and written).
Positive attitude and strong work ethic
Demonstrated problem solving ability
Excellent time management & planning
Experience with Mercury CRM (essential) and Microsoft
Leadership

Behaviors Required

Senior Credit Analyst

Key skills