Mortgage Broker

seek.com.au; Melbourne; On-site; AUD 90,000 - 140,000; Full time

Job summary

A Northcote-based mortgage broking firm is seeking an experienced Mortgage Broker to manage a full client lifecycle from initial contact to settlement. You will handle a portfolio of provided leads and build your own pipeline through referrals and networking.

Requirements include at least two years' broking experience, a Certificate IV (and Diploma in progress or held), MFAA or FBAA membership, and a solid understanding of NCCP and responsible lending.

Qualifications

• Minimum two years' experience as a practising mortgage broker.
• Certificate IV in Finance and Mortgage Broking (FNS40821) or equivalent.
• Diploma in Finance and Mortgage Broking (FNS50322) held or in progress.
• Current MFAA or FBAA membership.
• Strong knowledge of NCCP Act and responsible lending.

Responsibilities

• Manage a portfolio of provided leads and convert enquiries to clients.
• Build your own pipeline through outbound calls, referrals and network.
• Conduct discovery and fact-find meetings by phone, video and in-person.
• Structure lending scenarios including owner-occupied, investment, refinance, construction and self-employed.
• Prepare and manage applications across the lender panel to settlement.
• Maintain client files and CRM records in audit-ready condition.
• Maintain relationships post-settlement through reviews and refinancing opportunities.
• Meet settlement targets and KPIs.

Skills

Mortgage broking

Client relationship management

Business development

NCCP Act knowledge

Compliance

Outreach/ prospecting

Education

Certificate IV in Finance and Mortgage Broking (FNS40821)

Diploma in Finance and Mortgage Broking (FNS50322)

MFAA or FBAA membership

Tools

Connective

Mercury Nexus

ApplyOnline

Microsoft Office

Job description

An established mortgage broking firm in Northcote is looking for an experienced, accredited Mortgage Broker to join our team. You'll bring at least two years of broking experience and the confidence to manage your own client relationships from first contact to settlement. We supply a steady flow of leads, and you'll add to that pipeline through your own referrals.

Key responsibilities

• Manage a portfolio of provided leads, converting enquiries into long-term client relationships.
• Build your own pipeline through outbound calls, referral partners and your existing network.
• Conduct discovery and fact-find meetings by phone, by video and in person, identifying each client's objectives and financial position.
• Structure lending scenarios, including owner-occupied, investment, refinance, construction and self-employed.
• Recommend lending solutions that meet the Best Interests Duty and responsible lending obligations.
• Prepare and manage applications across the lender panel through to settlement.
• Keep client files, file notes and CRM records complete, accurate and audit-ready.
• Maintain relationships with clients after settlement through regular reviews and refinance opportunities.
• Meet agreed settlement targets and performance KPIs.

About you

• A minimum of two years' experience as a practising mortgage broker
• A Certificate IV in Finance and Mortgage Broking (FNS40821), with the Diploma (FNS50322) held or in progress
• Current MFAA or FBAA membership
• A strong working knowledge of the NCCP Act, responsible lending and the Best Interests Duty
• A demonstrated record of settlement volumes and client retention
• Confidence in business development, including outbound calling and building referral networks
• High standards of file preparation, compliance and record-keeping
• Experience with Connective/Mercury Nexus, ApplyOnline and Microsoft Office (highly regarded)
• An existing client database or referral network (a strong advantage)
• Ability to pass a national police check, credit check and bankruptcy search
• A consistent supply of quality leads, so you can spend less time prospecting and more time writing
• Competitive base salary plus commission, negotiable based on experience and track record
• Access to a broad lender panel and established broking systems
• A long-term role with scope to grow your earnings as your book grows