Virtual Post Settlement Mortgage Assistant (Part-Time)

Reports To Broker

Position Summary | Scope of Work | Key Responsibilities

Settlement & Post Settlement Care

• Completing pricing requests and negotiating interest rates where required – ability to escalate pricing based on client's strengths
• Prepare loan switches & variations accurately as instructed by broker and client
• Support Client Loan Review
• Maintain Client Database & Broking Systems
• Manage Gift Cards & Referral Program

ADHOC- Cross training during lean season

• File Management
• Generate and prepare all compliance and application paperwork as instructed by Broker
• Downloading all supporting documents and information received by client or third party, i.e. Accountant, Lawyer & Real Estate Agent
• Renaming supporting documents and allocating into the correct folder structure
• Generate supporting document pack that includes all documents and information, and ensure you have not missed any documents
• Identifying gaps in supporting documentation or what would be a roadblock for the broker to complete an 'assessment
• Transfer information from the pack into our Fact Find and Client Assessment (Living Expenses, Property Portfolio)

Loan Submissions and Data Entry

• Know where to source information to input into the aggregator software and ApplyOnline (i.e. client notes, supporting document pack, client assessment)
• Accurately enter all borrower, guarantor, or business information into the aggregator software (incudes but not limited to contact details, residential address, employment information, assets, liabilities, income and living expenses)
• Identifying gaps in supporting documentation, information or what would 'make a deal' – be able to cross reference what has been received with the lender's checklist and ApplyOnline
• Ability to quality check own work if there are validation errors in ApplyOnline
• Merge all signed documents into the 'Final' supporting document pack
• Upload and verify accurately the pack into ApplyOnline and Aggregator Software for submission and compliance

Ordering Valuations

• Instruct different types of valuation reports ranging from free property reports, desktop valuations / AVM's, to full valuation reports requiring a physical inspection
• Instruct these reports across different banks through their nominated system e.g. Valex / Corelogic or over email where required
• Accurately enter all owner, borrower and property details into these systems, ensuring data is checked, with zero tolerance for errors
• Follow up valuation reports when there is a delay and responding to request for additional information
• Saving down reports correctly, entering key information into client assessments and notifying the broker

Completing Lender Application and Discharge Forms

• Manually enter borrower information in lender's application forms (Private Clients) using PDF software
• Be able to execute on instructions given to accurately present the borrower information into the application forms
• Know where to source the borrower information to accurately complete the Discharge Form in full i.e. Loan Account #, security address, OFI information & Broker information

General Admin and Data Entry

• Requesting credit check consent via DocuSign – ensuring client's full name and email is accurate
• Ordering credit report through various lender system (Equifax via Macquarie and ANZ etc.)
• Ordering company information via ASIC
• Any other project work as required by SF Capital

Highlighted Skills

• Complex pricing scenarios – loan reviews
• Complex pricing scenarios – origination
• Draft recommendations to clients
• Email and reply to clients without second checking
• Call banks and non-bank lenders to make queries, follow up and escalate statuses
• Operate Broker Engine and other tools
• Make suggestions to improve processes and client experience
• One loan review per month leading to a refinance
• NEW area of responsibility: Support Settlements Process

Technical Requirements

• Reliable laptop or desktop computer, with at least one backup device
• Noise-cancelling headset for interviews and client meetings
• Stable internet connection (at least 100 mbps) with a backup connection