D2B
Senior Mortgage Associate / Credit Analyst (AU Mortgage - Mercury CRM)
- Compensation
- A$3.1K–A$4.2K / mo
- Location
- Manila, Philippines
- Work setup
- Remote
- Seniority
- Senior
- Employment
- Not specified
- Experience
- 5+ years
- Category
- Finance
- Posted
Must have
- 4 to 5+ years of experience in the Australian mortgage broking industry in a senior processing, credit, or associate role
- Hands-on experience preparing and lodging SMSF, complex self-employed, and trust structure loan applications
- Strong credit analysis capability across a full range of income types — PAYG, self-employed, commission-based, and rental income — including the ability to read a credit file and work serviceability l
- Deep understanding of mortgage products, lender policy, and compliance obligations including BID, NCCP, and responsible lending requirements
- Proven ability to own a pipeline independently — workflow-driven, not task-driven
- Experience building compliant, complete proposal packages including BID/NCCP documentation
- Excellent attention to detail and file discipline, with the ability to keep multiple complex files moving simultaneously
- Strong written communication skills — confident writing client-facing summaries and internal credit notes
- Ability to manage competing priorities without losing accuracy or pace
Full description
Position: Senior Mortgage Associate / Credit AnalystSalary: AU$ 3,100 - AU $ 4,200/monthWorking Hours & Conditions: Mondays to Fridays; 9:00 AM- 6:00 PM AESTOVERVIEW:
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.