Lending Associate (AU market)

Position: LENDING ASSOCIATE

Salary range : Php 68,000/month _(The final amount will be at the the client discretion basing on the candidate’s skills and experience.)_

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

Requirements

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.