Senior Loan Processing & Credit Specialist

<h2><strong>About the Client</strong></h2><p>We’re helping an Australian mortgage brokerage find a <strong>Senior Loan Processing & Credit Specialist</strong> to take ownership of the end-to-end mortgage and lending process within a fast-paced, high-responsibility environment.</p><p>The company works closely with first-home buyers, property investors, and refinancing clients, providing tailored lending solutions across a broad lender network. Their approach emphasizes strong communication, operational efficiency, and proactive deal management from application through settlement.</p><p>This role will act as the operational backbone between incoming deals, lenders, brokers, clients, and internal support staff.</p><h3><strong>The Role</strong></h3><p>This is a senior operational and credit-focused role responsible for:</p><ul><li>Evaluating lending scenarios</li><li>Managing lender relationships</li><li>Driving applications through the pipeline</li><li>Ensuring no opportunities or client matters lose momentum</li></ul><p>This is <strong>not an administrative support role</strong>. We’re looking for someone who takes ownership, pushes deals forward proactively, and can independently manage complex mortgage scenarios from assessment through settlement.</p><p><strong>Commitment:</strong> Full-Time<br><strong>Location:</strong> Fully Remote (PH-based candidates preferred) <br><strong>Working Hours:</strong> AEST business hours<br><strong>Engagement:</strong> Independent Contractor<br><strong>Start Date:</strong> ASAP<br><strong>Monthly Rate:</strong> USD $1,800–2,400/month (depending on level of experience)</p><h3><strong>What You’ll Do</strong></h3><h4><strong>Credit Analysis & Deal Assessment</strong></h4><ul><li>Assess and evaluate residential and/or commercial lending scenarios</li><li>Analyze:<ul><li>Borrower financials</li><li>Serviceability</li><li>Creditworthiness</li><li>Loan structures</li><li>Risk factors</li></ul></li><li>Determine whether deals are viable and worth pursuing</li><li>Identify strengths, weaknesses, and lender fit for each application</li><li>Recommend optimal deal structures and lender approaches</li><li>Escalate risks and concerns early and clearly</li></ul><h4><strong>End-to-End Deal Management</strong></h4><ul><li>Take ownership of the mortgage process from enquiry through settlement</li><li>Manage and prioritize active deals across the pipeline</li><li>Ensure applications continue progressing without delays or loss of momentum</li><li>Follow up proactively with:<ul><li>Clients</li><li>Brokers</li><li>Lenders</li><li>Banks</li><li>Internal support staff</li></ul></li><li>Ensure all documentation, lender conditions, and requirements are completed accurately and on time</li><li>Maintain oversight across multiple active files simultaneously</li></ul><h4><strong>Pipeline & Operations Management</strong></h4><ul><li>Monitor pipeline stages and deal movement daily</li><li>Prioritize urgent or incomplete files appropriately</li><li>Ensure no deals fall through the cracks</li><li>Identify bottlenecks early and proactively resolve them</li><li>Maintain accurate status updates and operational visibility</li><li>Manage workload effectively under pressure and deadlines</li></ul><h4><strong>Client & Lender Communication</strong></h4><ul><li>Communicate professionally with:<ul><li>Clients</li><li>Lenders</li><li>Brokers</li><li>Partners</li></ul></li><li>Build strong lender relationships and follow through persistently where required</li><li>Keep all stakeholders informed throughout the process</li><li>Represent the business professionally in all communication</li></ul><h4><strong>Leadership & Team Coordination</strong></h4><ul><li>Train, mentor, and oversee administrative support staff</li><li>Delegate operational and administrative tasks effectively</li><li>Review work quality and maintain operational standards</li><li>Support improvements to SOPs, workflows, and operational consistency</li><li>Contribute to scaling the operations function over time</li></ul><h3><strong>What We’re Looking For</strong></h3><h4><strong>Must-Haves</strong></h4><ul><li>7+ years of experience in:<ul><li>Mortgage broking</li><li>Credit analysis</li><li>Lending operations</li><li>Loan processing</li><li>Mortgage settlements</li></ul></li><li>Strong understanding of:<ul><li>Australian lending landscape</li><li>Credit assessment</li><li>Serviceability calculations</li><li>Lender policies</li><li>Complex lending scenarios</li></ul></li><li>Experience handling:<ul><li>Complex deals</li><li>Self-employed borrowers</li><li>Non-standard lending scenarios</li><li>Time-sensitive applications</li></ul></li><li>Strong experience managing the full mortgage lifecycle</li><li>Proven ability to manage multiple deals simultaneously</li><li>Experience communicating directly with lenders and financial institutions</li><li>Strong organizational and pipeline management skills</li><li>High attention to detail and operational accuracy</li><li>Strong written and verbal English communication skills</li></ul><h4><strong>Technical & Systems Experience</strong></h4><ul><li>Comfortable using:<ul><li>Infynity CRM</li><li>Loan aggregators such as Finsure</li><li>Trello</li><li>Microsoft Teams</li><li>WhatsApp</li><li>Loan processing and document management systems</li><li>AI and productivity tools</li></ul></li></ul><h3><strong>Ideal Candidate Profile</strong></h3><p>This role is ideal for someone who:</p><ul><li>Never drops the ball</li><li>Operates with urgency and ownership</li><li>Pushes deals forward proactively instead of waiting passively</li><li>Thinks critically and commercially</li><li>Maintains composure under pressure</li><li>Balances speed with accuracy</li><li>Is highly accountable and process-driven</li><li>Takes initiative without needing constant direction</li><li>Can confidently lead and mentor junior support staff</li></ul><p>The ideal candidate understands this role is not just about processing applications. It’s about:</p><ul><li>Evaluating risk</li><li>Driving momentum</li><li>Solving problems</li><li>Prioritizing effectively</li><li>Ensuring the pipeline moves efficiently at all times</li></ul><p>This is a long-term opportunity for someone who wants to play a key operational role within a growing mortgage broking business.</p><h3><strong>Recruitment Process</strong></h3><ol><li>Initial Interview</li><li>Client Interview</li><li>Practical Assessment (if deemed necessary)</li><li>Offer & Onboarding</li></ol>