Senior Mortgage Operations & Credit Manager

About the Client

We’re helping an Australian mortgage brokerage find a Senior Mortgage Operations & Credit Manager to take ownership of the end-to-end mortgage and lending process within a fast-paced, high-responsibility environment.

The company works closely with first-home buyers, property investors, and refinancing clients, providing tailored lending solutions across a broad lender network. Their approach emphasizes strong communication, operational efficiency, and proactive deal management from application through settlement.

This role will act as the operational backbone between incoming deals, lenders, brokers, clients, and internal support staff.

The Role

This is a senior operational and credit-focused role responsible for:

• Evaluating lending scenarios
• Managing lender relationships
• Driving applications through the pipeline
• Ensuring no opportunities or client matters lose momentum

This is not an administrative support role. We’re looking for someone who takes ownership, pushes deals forward proactively, and can independently manage complex mortgage scenarios from assessment through settlement.

Commitment: Full-Time
Location: Fully Remote (SA-based candidates preferred) 
Working Hours: AEST business hours
Engagement: Independent Contractor
Start Date: ASAP
Monthly Rate: USD $1,800–2,400/month (depending on level of experience)

What You’ll Do

Credit Analysis & Deal Assessment

• Assess and evaluate residential and/or commercial lending scenarios
• Analyze:
  • Borrower financials
  • Serviceability
  • Creditworthiness
  • Loan structures
  • Risk factors
• Determine whether deals are viable and worth pursuing
• Identify strengths, weaknesses, and lender fit for each application
• Recommend optimal deal structures and lender approaches
• Escalate risks and concerns early and clearly

End-to-End Deal Management

• Take ownership of the mortgage process from enquiry through settlement
• Manage and prioritize active deals across the pipeline
• Ensure applications continue progressing without delays or loss of momentum
• Follow up proactively with:
  • Clients
  • Brokers
  • Lenders
  • Banks
  • Internal support staff
• Ensure all documentation, lender conditions, and requirements are completed accurately and on time
• Maintain oversight across multiple active files simultaneously

Pipeline & Operations Management

• Monitor pipeline stages and deal movement daily
• Prioritize urgent or incomplete files appropriately
• Ensure no deals fall through the cracks
• Identify bottlenecks early and proactively resolve them
• Maintain accurate status updates and operational visibility
• Manage workload effectively under pressure and deadlines

Client & Lender Communication

• Communicate professionally with:
  • Clients
  • Lenders
  • Brokers
  • Partners
• Build strong lender relationships and follow through persistently where required
• Keep all stakeholders informed throughout the process
• Represent the business professionally in all communication

Leadership & Team Coordination

• Train, mentor, and oversee administrative support staff
• Delegate operational and administrative tasks effectively
• Review work quality and maintain operational standards
• Support improvements to SOPs, workflows, and operational consistency
• Contribute to scaling the operations function over time

What We’re Looking For

Must-Haves

• 7+ years of experience in:
  • Mortgage broking
  • Credit analysis
  • Lending operations
  • Loan processing
  • Mortgage settlements
• Strong understanding of:
  • Australian lending landscape
  • Credit assessment
  • Serviceability calculations
  • Lender policies
  • Complex lending scenarios
• Experience handling:
  • Complex deals
  • Self-employed borrowers
  • Non-standard lending scenarios
  • Time-sensitive applications
• Strong experience managing the full mortgage lifecycle
• Proven ability to manage multiple deals simultaneously
• Experience communicating directly with lenders and financial institutions
• Strong organizational and pipeline management skills
• High attention to detail and operational accuracy
• Strong written and verbal English communication skills

Technical & Systems Experience

• Comfortable using:
  • Infynity CRM
  • Loan aggregators such as Finsure
  • Trello
  • Microsoft Teams
  • WhatsApp
  • Loan processing and document management systems
  • AI and productivity tools

Ideal Candidate Profile

This role is ideal for someone who:

• Never drops the ball
• Operates with urgency and ownership
• Pushes deals forward proactively instead of waiting passively
• Thinks critically and commercially
• Maintains composure under pressure
• Balances speed with accuracy
• Is highly accountable and process-driven
• Takes initiative without needing constant direction
• Can confidently lead and mentor junior support staff

The ideal candidate understands this role is not just about processing applications. It’s about:

• Evaluating risk
• Driving momentum
• Solving problems
• Prioritizing effectively
• Ensuring the pipeline moves efficiently at all times

This is a long-term opportunity for someone who wants to play a key operational role within a growing mortgage broking business.

Recruitment Process

1. Initial Interview
2. Client Interview
3. Practical Assessment (if deemed necessary)
4. Offer & Onboarding