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

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.

Liaise internally with Brokers, Strategists, and the wider support team; and externally with Clients, Lenders, Solicitors, Conveyancers, and Referral Partners.

• 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.

• Oversee and push the front end of the pipeline — lead follow-up cadence (Day 4, 7, 10), document collection, Equifax and Property Hub reports, and pre-review notes.
• Complete the full Review stage independently: assess income (PAYG and complex), review bank statements via Cash Deck, 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.

• 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.

• Follow up with lenders, solicitors, and conveyancers to keep files tracking toward settlement.
• Monitor outstanding conditions, deadlines, and settlement timelines; escalatate issues proactively to the broker.
• Keep status notes current and provide regular internal updates to maintain team visibility.

• 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.

• 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…