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

Working Hours & Conditions: Mondays to Fridays; 9:00 AM- 6:00 PM AEST

OVERVIEW

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.

Requirements

SKILLS & EXPERIENCE

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

TOOLS & 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 complex lending scenarios: SMSF, trust structures, multi-property, construction
Certificate IV in Finance and Mortgage Broking or equivalent
Experience mentoring or overseeing junior associates
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