Mortgage Broker

Refyne Loans; Sydney; Hybrid; AUD 90,000 - 140,000; Full time

Job summary

Refyne Loans in Sydney is seeking a Mortgage Broker, experienced Parabroker or Credit Analyst to join a team that settles over $100 million annually. You will work in a hybrid setup (3 days in the office, 2 days at home) at Macquarie Park and bring your lending knowledge to a growing brokerage with quality investor leads.

The role involves assessing complex credit applications, structuring lending solutions across residential, investment, commercial and private lending, and collaborating with

Qualifications

• 2–3 years of experience across mortgage broking, parabroking, credit analysis, banking or a similar lending role.
• Certificate IV in Finance & Mortgage Broking.
• Strong foundations in residential and investment lending, including credit assessment, servicing, lender policy and loan structuring.
• Broader technical lending experience across one or more areas such as self-employed lending, commercial finance, bridging finance, construction or development funding, private or specialist lending, SMSF lending, company and trust structures or complex income scenarios.

Responsibilities

• Assess credit applications across self-employed borrowers, complex income structures, company and trust borrowers, portfolio investors and scenarios requiring deeper credit analysis.
• Structure lending solutions across residential, investment, commercial, bridging finance, construction and development funding, private lending and specialist finance.
• Workshop scenarios with BDMs, credit teams, lenders to maximise approval chances.
• Take lending scenarios from initial assessment through to approval, identifying lender requirements.
• Analyse financials, servicing, security positions and funding requirements using tools like BrokerEngine and Quickli.
• Develop lending strategies for clients with complicated scenarios including self-employed borrowers, bridging finance, and private lending.
• Stay across lending landscape and monitor changing credit appetites.
• Provide ongoing support as a trusted lending resource for clients and the broader team.

Skills

Mortgage broking

Credit analysis

Lending knowledge

Analytical thinking

Client communication

Education

Certificate IV in Finance & Mortgage Broking

Tools

BrokerEngine

Quickli

FLEX

ApplyOnline

Job description

Salary: $90K and upto $50K+ in commissions

About the role

Refyne is looking for a Mortgage Broker, experienced Parabroker or Credit Analyst to join a team of brokers who settle over $100 million annually. This is an opportunity to work alongside an experienced team, be handed quality investor leads, and bring your lending knowledge into a growing brokerage. You'll work in a hybrid arrangement (3 days office, 2 days work from home – Tuesday & Thursday) at Macquarie Park, Sydney.

Key responsibilities

• Assess credit applications across self-employed borrowers, complex income structures, company and trust borrowers, portfolio investors and scenarios requiring deeper credit analysis
• Structure lending solutions across residential, investment, commercial, bridging finance, construction and development funding, private lending and specialist finance
• Work directly with BDMs, credit teams, commercial lenders, specialist funders and private lenders to workshop scenarios and find solutions for deals outside standard offerings
• Take lending scenarios from initial assessment through to approval, identifying lender requirements and presenting deals to maximise approval chances
• Analyse financials, structures, servicing, security positions and funding requirements using tools like BrokerEngine and Quickli
• Develop lending strategies for clients with complicated scenarios including self-employed borrowers, bridging finance, construction projects, commercial property acquisition and private lending solutions
• Stay across the lending landscape across residential, commercial, specialist and private lending, monitoring changing credit appetites
• Provide ongoing support as a trusted lending resource for clients and the broader team, sharing knowledge and identifying solutions across wider lending scenarios.

About you

• 2–3 years of experience across mortgage broking, parabroking, credit analysis, banking or a similar lending role
• Certificate IV in Finance & Mortgage Broking
• Strong foundations in residential and investment lending, including credit assessment, servicing, lender policy and loan structuring
• Broader technical lending experience across one or more areas such as self-employed lending, commercial finance, bridging finance, construction or development funding, private or specialist lending, SMSF lending, company and trust structures or complex income scenarios
• Strong analytical and problem-solving skills, with the ability to research policy, workshop scenarios with lenders and identify solutions where the answer isn't immediately obvious
• Confidence communicating with clients, BDMs and credit teams, including explaining more involved lending strategies clearly and effectively
• A proactive, commercially minded approach and strong attention to detail
• Experience with BrokerEngine, Quickli, FLEX, ApplyOnline and Australian lender platforms would be highly regarded.

About us

Refyne specialises in investor lending — helping Australians purchase property, access equity and structure their finance as they build their property portfolios. Clients range from first-time investors through to experienced portfolio investors, business owners and clients with more sophisticated lending requirements. The team is backed by quality leads from Search Property, a leading Australian Buyers Agency.

• Quality investor leads provided
• Strong career and earning potential as the business grows
• Clear pathway into broking for experienced Parabrokers and Credit Analysts
• Opportunity to bring specialist lending knowledge into a growing team and help expand lending capability
• Work with property investors and a broad range of lending scenarios
• Modern Macquarie Park office with a campus-style vibe including gym, cafés and childcare
• Hybrid flexibility with a collaborative, ambitious team