Senior Mortgage Associate / Credit Analyst (AU Mortgage - Mercury CRM)

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.

Requirements

SKILLS & EXPERIENCE:

* 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 levers across multiple lenders
* 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

TOOLS AND SYSTEMS (NON-NEGOTIABLE)

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

PREFERRED SKILLS (NICE TO HAVE)

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