Senior Lending Manager

WAVE MONEY; Sydney; On-site; AUD 110,000 - 170,000; Full time

Job summary

Wave Money is seeking a Senior Lending Manager to partner with mortgage brokers and service providers, delivering optimal outcomes for accredited broker partners and their customers.

You will own files from lodgment through credit assessment, documentation, and settlement, ensuring compliance and timely SLA delivery while collaborating with valuers, solicitors and other stakeholders.

Qualifications

• 2–3 years of mortgage lending decisioning experience.
• Delegated Lending Authority of at least $1M.
• Knowledge of mortgage lending credit policies and processes.
• Familiarity with non-bank lending environments is a plus.

Responsibilities

• Respond to lending scenarios and broker inquiries.
• Review each loan file for completeness before underwriting.
• Execute on delegated lending authority.
• Coordinate with valuers, solicitors and partners to improve efficiency.
• Oversee loan process through mortgage software system.

Skills

Mortgage lending

Credit assessment

Relationship management

Phone outreach

Education

Certificate IV in Finance and Mortgage Broking

Tools

Simpology Loan App

Job description

Wave Money is a new broker-exclusive non-bank lender established to deliver residential mortgage solutions to an increasing pool of borrowers whose needs are not being met by traditional bank and non-bank lending institutions.

Built “digitally” from the ground up, Wave Money’s mortgage service proposition comprises best-of-breed technology for each stage in the process while the customer and broker experience are powered by onshore people, expertise, and relationships.

This is where our Senior Lending Managers play a critical role.

About the role

Working closely with mortgage brokers and service providers this role is responsible for delivering great outcomes to our accredited broker partners and their customers. This role is a relationship focused credit assessment role which will see the ideal candidate willing to engage with broker partners on the phone every day.

The Senior Lending Manager will maintain ownership of individual files from lodgment through credit assessment, loan documentation and loan settlement which includes:

• Responding to lending scenarios
• Reviewing each loan file to verify that supporting documents are present, accurate, and complete before credit underwriting
• Executing on a delegated lending authority
• Working with valuers, solicitors, and other business partners to create efficiency
• Overseeing the loan process through mortgage software system
• Ensuring that loan rules, obligations, and deadlines are met
• Supporting brokers with their applications to ensure files meet SLA’s and key settlement timeframes
• Providing brokers ongoing communication and support throughout the lifecycle of the mortgage
• Contributing to continuous improvement projects

About you

You are currently working in a lending or credit assessment role within a lender or a mortgage broking firm.

You are looking to take the next step and advance your career and professional development building new skills and relationships.

You are a motivated high performer and are looking for an opportunity where you can align your income with your high performance.

You bring the following skills and experience:

• Minimum 2-3 years of experience with mortgage loan decisioning preferred
• Have held a Delegated Lending Authority of at least $1m
• Experience with non-bank mortgage lending would be preferred
• Experience with Simpology Loan App would be highly regarded
• Strong understanding of mortgage lending credit policies, processes, and products
• Sound understanding of the National Consumer Credit Act
• Working knowledge of financial institution operational and compliance requirements
• Well-developed communication and problem-solving skills, a genuine willingness to pick up the phone to find solutions
• Ability to establish and maintain effective working relationships with both internal and external stakeholders
• Ability to work well both independently and within a team environment
• Strong organisational and time management skills
• A true solution focus to credit assessment
• Strong attention to detail
• Ability to multi-task
• Exceptional customer service skills with a focus on building relationships
• Adaptable with a strong ability to navigate and learn new systems and processes
• Certificate IV in Finance and Mortgage Broking well regarded

Why us?

By becoming part of Wave Money, you will join a fast-growth non-bank lender working closely with the senior executives of the business with lots of scope for career growth and advancement.