Working Hours & Conditions: Mondays to Fridays; 9:00 AM- 6:00 PM AEST
OVERVIEW:
The company is looking for a Senior Mortgage Associate who operates at the top of the support function — someone who can own the pipeline end to end, drive files from initial lead through to lodgement without being task-managed, and partner the broker at a high level. The ideal candidate sits close to Strategist level: they understand credit deeply, can run compliance and proposals independently, and bring the kind of judgment that keeps files clean and moving. A strong Senior Associate is the floor; someone with Strategist-level credit depth is the target.
RESPONSIBILITIES:
Liaise internally with Brokers, Strategists, and the wider support team; and externally with Clients, Lenders, Solicitors, Conveyancers, and Referral Partners.
Pipeline & CRM Ownership
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Own the Mercury CRM pipeline end to end — maintain accurate notes, task tracking, and stage progression without being prompted.
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Know where every file sits at all times and be able to speak to any client’s situation on the spot.
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Set up new files, perform accurate data entry across CRM and lender platforms, and maintain folder structure and naming conventions to company standards.
Pre-Review, Review & Broker Prep
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Oversee and push the front end of the pipeline — lead follow-up cadence (Day 4, 7, 10), document collection, Equifax and PropertyHub reports, and pre-review notes.
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Complete the full Review stage independently: assess income (PAYG and complex), review bank statements via CashDeck, confirm salary packaging, assess rental income, work the funding position, run Quickli serviceability, and write review notes.
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Hand files to the broker fully prepped for First Appointment and take them straight back once the recommendation is made.
Proposal, Compliance & Submission
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Build the full proposal package: servicing calculator, pricing, BID/NCCP compliance, AOL setup, credit notes, lender checklist, compliance docs, and client proposal.
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Identify missing or incorrect documentation early; structure and package files to a clean, submission-ready standard with nil unnecessary rework.
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Submit pricing requests, order and track valuations, and manage pre-approval conditions.
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Lodge applications via AOL and handle lender rework requests fast and accurately.
Settlement & Progression
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Follow up with lenders, solicitors, and conveyancers to keep files tracking toward settlement.
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Monitor outstanding conditions, deadlines, and settlement timelines; escalate issues proactively to the broker.
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Keep status notes current and provide regular internal updates to maintain team visibility.
Client Communication
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Own the client relationship through the processing phase — guide document collection, provide pipeline updates, set expectations clearly, and respond to inquiries with confidence.
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Write post-appointment summaries and confirm strategy and instructions in writing.
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Conduct post-settlement annual reviews to support retention and identify future opportunities.
Requirements
SKILLS & EXPERIENCE:
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4 to 5+ years of experience in the Australian mortgage broking industry in a senior processing, credit, or associate role
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Hands-on experience preparing and lodging SMSF, complex self-employed, and trust structure loan applications
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Strong credit analysis capability across a full range of income types — PAYG, self-employed, commission-based, and rental income — including the ability to read a credit file and work serviceability levers across multiple lenders
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Deep understanding of mortgage products, lender policy, and compliance obligations including BID, NCCP, and responsible lending requirements
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Proven ability to own a pipeline independently — workflow-driven, not task-driven
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Experience building compliant, complete proposal packages including BID/NCCP documentation
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Excellent attention to detail and file discipline, with the ability to keep multiple complex files moving simultaneously
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Strong written communication skills — confident writing client-facing summaries and internal credit notes
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Ability to manage competing priorities without losing accuracy or pace