Senior Mortgage Operations & Credit Manager

About the ClientWe’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 RoleThis is a senior operational and credit-focused role responsible for:Evaluating lending scenariosManaging lender relationshipsDriving applications through the pipelineEnsuring no opportunities or client matters lose momentumThis 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 DoCredit Analysis & Deal AssessmentAssess and evaluate residential and/or commercial lending scenariosAnalyze:Borrower financialsServiceabilityCreditworthinessLoan structuresRisk factorsDetermine whether deals are viable and worth pursuingIdentify strengths, weaknesses, and lender fit for each applicationRecommend optimal deal structures and lender approachesEscalate risks and concerns early and clearlyEnd-to-End Deal ManagementTake ownership of the mortgage process from enquiry through settlementManage and prioritize active deals across the pipelineEnsure applications continue progressing without delays or loss of momentumFollow up proactively with:ClientsBrokersLendersBanksInternal support staffEnsure all documentation, lender conditions, and requirements are completed accurately and on timeMaintain oversight across multiple active files simultaneouslyPipeline & Operations ManagementMonitor pipeline stages and deal movement dailyPrioritize urgent or incomplete files appropriatelyEnsure no deals fall through the cracksIdentify bottlenecks early and proactively resolve themMaintain accurate status updates and operational visibilityManage workload effectively under pressure and deadlinesClient & Lender CommunicationCommunicate professionally with:ClientsLendersBrokersPartnersBuild strong lender relationships and follow through persistently where requiredKeep all stakeholders informed throughout the processRepresent the business professionally in all communicationLeadership & Team CoordinationTrain, mentor, and oversee administrative support staffDelegate operational and administrative tasks effectivelyReview work quality and maintain operational standardsSupport improvements to SOPs, workflows, and operational consistencyContribute to scaling the operations function over timeWhat We’re Looking ForMust-Haves7+ years of experience in:Mortgage brokingCredit analysisLending operationsLoan processingMortgage settlementsStrong understanding of:Australian lending landscapeCredit assessmentServiceability calculationsLender policiesComplex lending scenariosExperience handling:Complex dealsSelf-employed borrowersNon-standard lending scenariosTime-sensitive applicationsStrong experience managing the full mortgage lifecycleProven ability to manage multiple deals simultaneouslyExperience communicating directly with lenders and financial institutionsStrong organizational and pipeline management skillsHigh attention to detail and operational accuracyStrong written and verbal English communication skillsTechnical & Systems ExperienceComfortable using:Infynity CRMLoan aggregators such as FinsureTrelloMicrosoft TeamsWhatsAppLoan processing and document management systemsAI and productivity toolsIdeal Candidate ProfileThis role is ideal for someone who:Never drops the ballOperates with urgency and ownershipPushes deals forward proactively instead of waiting passivelyThinks critically and commerciallyMaintains composure under pressureBalances speed with accuracyIs highly accountable and process-drivenTakes initiative without needing constant directionCan confidently lead and mentor junior support staffThe ideal candidate understands this role is not just about processing applications. It’s about:Evaluating riskDriving momentumSolving problemsPrioritizing effectivelyEnsuring the pipeline moves efficiently at all timesThis is a long-term opportunity for someone who wants to play a key operational role within a growing mortgage broking business.Recruitment ProcessInitial InterviewClient InterviewPractical Assessment (if deemed necessary)Offer & OnboardingOriginally posted on Himalayas