About The Role

Working Hours: Following AU business hours
Work set-up: 100% Remote work under Independent Contractor Agreement

Holidays : AU Holidays

Recruitment process : possible multiple client interviews and an assessment

About the Company & Role

Our client is a growing Australian mortgage and finance business that is committed to helping clients navigate the lending process with greater clarity, confidence, and personalised support. The business takes a client-first approach and works closely with individuals and families to understand their financial circumstances and help them progress toward their property and lending goals. With a strong focus on building long-term relationships, the team values clear communication, accuracy, integrity, collaboration, and delivering a seamless experience throughout the client journey. As the business continues to grow, they are looking for a proactive and detail-oriented Lending Associate to support Mortgage Brokers and clients throughout the end-to-end loan application process. This is a hands-on role that combines loan processing, document review, credit support, lender coordination, and client communication, with a strong focus on ensuring loan applications are accurate, compliant, and progressed efficiently from broker handover through to settlement.

Key Responsibilities

Loan Application Preparation & Broker Support

Review broker handover notes, lending strategies, and client information to ensure all required details are complete and accurate.
Prepare lending submission notes, application inputs, and supporting documentation.
Enter and maintain accurate client, financial, and loan information across relevant CRM and lender application systems.
Assist with servicing inputs, product comparisons, pricing, and valuation research within the scope of the role.
Ensure loan applications are complete, logical, and ready for submission before lodgement.

Document Review & Credit Support

Review client documents for completeness, consistency, and currency.
Analyse bank statements, income documents, liabilities, and other financial information to identify missing information or potential lending concerns.
Review credit reports and flag relevant issues, including undisclosed liabilities or repayment concerns.
Develop and apply knowledge of lender policies, credit requirements, and compliance standards.
Escalate lending scenarios, risks, or matters requiring further assessment to the Mortgage Broker.

Application Processing & Lender Management

Package and submit complete loan applications with all required supporting documentation.
Manage applications from submission through assessment, approval, loan documentation, and settlement.
Respond promptly to lender requests and outstanding conditions.
Coordinate with clients, brokers, lenders, and other relevant stakeholders to obtain required information.
Monitor application progress and identify potential delays or risks early.
Maintain proactive communication with lenders and relevant stakeholders throughout the application process.

Client Communication & Experience

Provide proactive and professional updates to clients throughout the loan application journey.
Clearly communicate outstanding requirements, next steps, and expected timeframes.
Follow up on documents and client actions in a warm, professional, and solutions-focused manner.
Respond to client enquiries within the scope of the role and refer lending advice, strategy, or credit decisions to the appropriate Mortgage Broker.
Take ownership of delivering a smooth and positive client experience throughout the processing stage.

CRM, Compliance & File Management

Maintain accurate CRM notes, tasks, statuses, timelines, and lender milestones.
Ensure allocated loan files remain current, organised, and easy for other team members to understand.
Maintain high standards of file compliance and support audit requirements where necessary.
Ensure documents are correctly named, stored, and managed according to internal processes.
Take ownership of follow-ups and outstanding requirements, ensuring every active file has a clear next action.
Handle sensitive client and financial information with strict confidentiality and professionalism.

Team Contribution & Continuous Improvement

Continue developing lending, credit, and lender policy knowledge through training and practical experience.
Participate in team learning, file reviews, and process improvement initiatives.
Identify recurring bottlenecks or inefficiencies and recommend practical improvements.
Support team members during busy periods and contribute to a collaborative and high-accountability environment.

Key Skills and Attributes

Highly organised and detail-oriented
Proactive and solutions-focused
Client-focused with strong communication skills
Accountable and comfortable taking ownership of files
Collaborative and team-oriented
Honest, professional, and trustworthy
Comfortable working with financial information and documentation
Eager to develop a long-term career within the mortgage and finance industry

Essential Skills & Experience

Experience in lending support, mortgage broking, banking, credit, loan processing, or a similar financial services environment.
Strong administrative and organisational skills with the ability to manage multiple loan files and competing priorities.
High attention to detail and a strong commitment to accuracy.
Excellent written and verbal communication skills.
Comfortable reviewing financial information, including bank statements, income documents, liabilities, and supporting lending documentation.
Ability to identify incomplete information, inconsistencies, or potential lending concerns.
Proactive and solutions-focused, with the confidence to raise issues before they become delays.
Strong client service skills with a warm, clear, and professional communication style.
Ability to work independently while knowing when to escalate matters appropriately.
Strong understanding of confidentiality and the professional handling of sensitive client information.

Preferred Skills & Experience

Previous experience supporting Australian Mortgage Brokers or working within the Australian mortgage and lending industry.
Exposure to lender policies, credit assessment, serviceability, and loan application processes.
Experience managing loan applications from preparation through to settlement.