Non-Negotiable Skills

• Strong understanding of loan structures and lender servicing
• Ability to assess the borrower’s funding position for a property purchase
• Skilled in analyzing and researching bank and credit policies to align with borrower needs and objectives
• Proficient in completing lender servicing calculators
• Experience in packaging and submitting customer applications to lenders, including interpreting credit requirements and ensuring proper documentation
• Competent in fulfilling lender MIR (Minimum Information Requirements) and conditional approval obligations

Key Responsibilities

• Process mortgage loan applications from data entry to submission and final settlement
• Ensure compliance with all disclosure requirements and industry compliance standards
• Complete forms and applications related to:
• Grant applications
• Discharge forms
• First Home Owner Grant (FHOG)
• Review loan documents for accuracy and completeness, including income, assets, and credit reports
• Coordinate with borrowers, brokers, and lenders to collect and resolve outstanding requirements
• Complete complex income calculations (PAYG and self-employed)
• Use lender portals and complete servicing calculators
• Process pricing requests across multiple lenders (for new and existing borrowing)
• Utilize mortgage software systems such as: ApplyOnline, Simpology, LoanApp
• Perform property valuations and calculate loan-to-value ratios (LVR)
• Understand complex loan structures, including:
• Multiple applicants
• SMSF (Self-Managed Super Funds)
• Trust structures
• Manage the fulfillment of MIRs and conditional approval requirements
• Provide excellent customer service, addressing borrower queries throughout the application process
• Assist with ad hoc tasks as assigned by management
• Support general office duties when needed

Qualifications

• Minimum of 3 years' experience with an Australian mortgage brokerage or loan processing company
• Proven experience in end-to-end mortgage processing, including origination, underwriting, and settlements
• Detail-oriented, with strong accuracy and compliance awareness in high-volume environments
• Strong organizational and multitasking skills with the ability to meet deadlines
• Excellent communication skills – both written and verbal