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Open nowPosted 110 days ago

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

Workable (global search)108,016 open roles

Where
Manila, Philippines
Work mode
Remote
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Your applicationOpen nowSenior Mortgage Associate / Credit Analyst (AU Mortgage - Mercury CRM)Workable (global search) · Manila, Philippines

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The clock on this job

Early applications get read.

7.9% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 7 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 7.9%7 days
  4. 14.9%14 days
  5. 34.0%30 days
This job: posted 110 days ago

Workable (global search) median: 7 days open

The posting

Position: Senior Mortgage Associate / Credit Analyst

Salary: AU$ 3,100 - AU $ 4,200/month

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 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
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