Residential Mortgage Loan Writer – Australia

Role DescriptionThe Loan Writer role is a full-time, on-site position based in the Greater Melbourne Area. The Loan Writer is responsible for drafting, reviewing, and refining loan documentation, including applications, agreements, and supporting materials, ensuring clarity, accuracy, and compliance with relevant policies and regulations. Day-to-day tasks include collaborating with loan officers and client-facing teams to gather required information, translating complex financial terms into accessible language, and maintaining consistent documentation standards. The role also involves conducting basic research on lending products, updating templates, verifying data, and supporting process improvements to enhance the quality and efficiency of loan documentation.
QualificationsReview income, liabilities and supporting documents, complete servicing calculations, and scenario modellingResearch lender policy and work with the broker for allocating each scenario to the right lender and structurePrepare and lodge applications, and supporting notes via ApplyOnline to a standard that needs no reworkDrive files from lodgments through assessment, valuation, approval, loan documents and settlementRespond to MIRs and lender conditions promptly, and coordinate valuers, solicitors and settlement agentsMonitor the pipeline, flag files at risk of delay and escalate earlyCollect documents from clients and keep clients, referrers and third parties updated at each milestoneIdentify gaps or risks in a file and propose solutions before they become lender queriesMeet NCCP, lender and internal documentation requirements, and maintain accurate records in MyCRM, ApplyOnline and lender systemsPrepare comparisons and client summaries internally, and support the broker on proposals and application strategy
Experience and skills required2 to 3 years experience in residential loan writing or mortgage broking supportDemonstrated experience preparing and lodging applications across a broad residential lender panel, including major banks, non-banks and specialist lendersWorking knowledge of lender credit policy and the ability to interpret policy documentsProven experience managing files from submission through to settlement, including MIR responses and lender escalationConfident use of lender servicing calculators and broker portalsMyCRM & ApplyOnline (AOL) experience is essentialStrong written communication. This role produces documents that lenders read and act onHigh attention to detail and the ability to run multiple live files without losing track of any of themThis will initially be a full time in office role, with flexibility once established
Highly regardedCert IV in Finance and Mortgage Broking or Diploma of Finance and Mortgage Broking ManagementExposure to self-employed and Alt Doc applications, including reading company financial statements, trust structures and business tax returnsExposure to SMSF and non-bank lending