Senior Mortgage Associate / Credit Analyst - AU Mortgage, Mercury CRM

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.

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