JOB TITLE: Senior Research Analyst
JOB TYPE: Full-Time – Permanent
LOCATION: 4/174-180 Pacific Highway, North Sydney
SUPERVISOR/MANAGER: Amanda Christmann / Joel Wyld

RESPONSIBILITIES

Loan Structuring:

• Analyse lender policies to determine the most suitable options for clients.
• Ensure loan applications comply with lender policies and serviceability requirements.
• Assist Relationship Managers in explaining loan details to clients and, where necessary, communicate directly with clients to provide a high level of service.

Loan Processing and Analysis:

• Use lender serviceability calculators to assess borrowing capacity and loan feasibility.
• Complete detailed analyses, including PAYG income calculations and funds-to-complete evaluations.
• Prepare and submit accurate lender comparisons, valuations, and pricing requests.
• Review and process submission notes for lenders and finalise handover checklists in Process Street (PS).

Client and Lender Communication:

• Liaise with lenders to resolve issues, clarify policies, and ensure application alignment with client goals.
• Respond to client enquiries regarding the loan application process and structuring options.

Compliance and Accuracy:

• Verify all loan applications for compliance with lender policies and internal checklists.
• Ensure 100% accuracy in submitted applications for structuring, policy alignment, and serviceability requirements for 90% of application submitted.

MAIN ACTIVITIES

• Analyse client and broker-provided information to determine the best loan options.
• Use lender calculators and tools to verify loan feasibility and structuring.
• Contact lenders via phone or email to clarify policies and confirm loan structure suitability.
• Answer and resolve client and lender queries related to loan applications.
• Prepare detailed submission notes for loan lodgement and final approvals.

SECONDARY ACTIVITIES

• Order valuations and pricing requests if required.
• Prepare product comparisons when necessary.
• Provide feedback on process improvements to enhance overall efficiency.
• Undertake ad hoc tasks or projects assigned by directors.

SKILLS & EXPERIENCE

Qualifications:

• Certificate IV in Mortgage Broking or higher is highly regarded.

Experience:

• Minimum of 2 years in the lending industry.
• Experience with loan structuring and assessing complex scenarios.

Skills:

• Advanced understanding of lender policies and loan structuring.
• Proficiency in Microsoft Office Suite and internal systems (e.g., FLEX, Process Street).
• Strong organisational and problem-solving skills.
• Attention to detail and ability to meet deadlines.

PERFORMANCE GOALS & KPIs

• Achieve 100% accuracy in loan structuring, policy compliance, and servicing requirements for 90% of lodged applications.
• Attend at least two lender webinars monthly to stay updated on policies and products.
• Respond to client calls within 2 business hours and emails within 4 business hours.
• Ensure all client updates are provided within the promised timeframe.