JOB TITLE: Mortgage Broking Credit Assessor
JOB TYPE: Full-Time – Permanent
LOCATION: 4/174-180 Pacific Highway, North Sydney
SUPERVISOR/MANAGER: Sayed Nakad / Amanda Christmann Wyld

RESPONSIBILITIES

Loan Structuring:

Analyse lender policies to determine the most suitable options for clients.

Ensure loan applications comply with lender policies and serviceability requirements.

Assist Relationship Managers in explaining loan details to clients and, where necessary, communicate directly with clients to provide a high level of service.

Loan Processing and Analysis:

Use lender serviceability calculators to assess borrowing capacity and loan feasibility.

Complete detailed analyses, including PAYG income calculations and funds-to-complete evaluations.

Prepare and submit accurate lender comparisons, valuations, and pricing requests.

Review and process submission notes for lenders and finalise handover checklists in Process Street (PS).

Client and Lender Communication:

Liaise with lenders to resolve issues, clarify policies, and ensure application alignment with client goals.

Respond to client enquiries regarding the loan application process and structuring options.

Compliance and Accuracy:

Verify all loan applications for compliance with lender policies and internal checklists.

Ensure 100% accuracy in submitted applications for structuring, policy alignment, and serviceability requirements for 90% of application submitted.

MAIN ACTIVITIES

Analyse client and broker-provided information to determine the best loan options.

Use lender calculators and tools to verify loan feasibility and structuring.

Contact lenders via phone or email to clarify policies and confirm loan structure suitability.

Answer and resolve client and lender queries related to loan applications.

Prepare detailed submission notes for loan lodgement and final approvals.

SECONDARY ACTIVITIES

Order valuations and pricing requests if required.

Prepare product comparisons when necessary.

Provide feedback on process improvements to enhance overall efficiency.

Undertake ad hoc tasks or projects assigned by directors.

SKILLS & EXPERIENCE

Qualifications:

Certificate IV in Mortgage Broking or higher is highly regarded.

Experience:

Minimum of 2 years in the lending industry.

Experience with loan structuring and assessing complex scenarios.

Skills:

Advanced understanding of lender policies and loan structuring.

Proficiency in Microsoft Office Suite and internal systems (e.g., FLEX, Process Street).

Strong organisational and problem-solving skills.

Attention to detail and ability to meet deadlines.

PERFORMANCE GOALS & KPIs

Achieve 100% accuracy in loan structuring, policy compliance, and servicing requirements for 90% of lodged applications.

Attend at least two lender webinars monthly to stay updated on policies and products.

Respond to client calls within 2 business hours and emails within 4 business hours.

Ensure all client updates are provided within the promised timeframe.