Lending Associate (AU market)

About this role

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.

•…