[Hiring] Senior Mortgage Associate / Credit Analyst @D2B

Role Description

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
  • Own the Mercury CRM pipeline end to end — maintain accurate notes, task tracking, and stage progression without being prompted.
  • Know where every file sits at all times and be able to speak to any client's situation on the spot.
  • 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
  • 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.
  • 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.
  • Hand files to the broker fully prepped for First Appointment and take them straight back once the recommendation is made.
• Proposal, Compliance & Submission
  • Build the full proposal package: servicing calculator, pricing, BID/NCCP compliance, AOL setup, credit notes, lender checklist, compliance docs, and client proposal.
  • Identify missing or incorrect documentation early; structure and package files to a clean, submission-ready standard with nil unnecessary rework.
  • Submit pricing requests, order and track valuations, and manage pre-approval conditions.
  • Lodge applications via AOL and handle lender rework requests fast and accurately.
• Settlement & Progression
  • Follow up with lenders, solicitors, and conveyancers to keep files tracking toward settlement.
  • Monitor outstanding conditions, deadlines, and settlement timelines; escalate issues proactively to the broker.
  • Keep status notes current and provide regular internal updates to maintain team visibility.
• Client Communication
  • Own the client relationship through the processing phase — guide document collection, provide pipeline updates, set expectations clearly, and respond to inquiries with confidence.
  • Write post-appointment summaries and confirm strategy and instructions in writing.
  • Conduct post-settlement annual reviews to support retention and identify future opportunities.

Qualifications

• 4–5+ years of experience in the Australian mortgage broking industry in a senior processing, credit, or associate role.
• Strong credit analysis capability — able to assess complex income (PAYG, self-employed, commission, rental), read a credit file, and work serviceability levers across multiple lenders.
• Deep understanding of mortgage products, lender policy, compliance obligations (BID, NCCP, responsible lending), and the end-to-end loan lifecycle.
• Proven ability to own a pipeline independently — not task-driven, but workflow-driven.
• Experience building compliant proposal packages including BID/NCCP documentation.
• Excellent attention to detail, file discipline, and the ability to keep multiple files moving simultaneously.
• Strong written communication skills — confident writing client-facing summaries and internal credit notes.
• Ability to manage competing priorities without losing accuracy or pace.

Requirements

• Microsoft Outlook
• Mercury CRM (Connective)
• ApplyOnline (AOL)
• Quickli
• Microsoft Teams

Preferred Skills

• Strategist-level credit depth — experience writing credit submissions, selecting lenders independently, and managing credit assessor conversations.
• Familiarity with complex lending scenarios: SMSF, trust structures, multi-property, construction.
• Certificate IV in Finance and Mortgage Broking or equivalent.
• Experience mentoring or overseeing junior associates.