AU Mortgage Loan Processor | End-to-End

Emapta Global; Metro Manila; Remote; PHP 502,000 - 725,000; Full time

Benefits offered by this job

Laptop provided

HMO coverage for dependents

Salary advance program

Paid Australian public holidays

Job summary

Emapta Global is seeking an AU Mortgage Loan Processor to independently manage broker-side residential lending from initial assessment to settlement. You will handle salaried and self-employed borrowers across various loan types while collaborating with multiple lenders.

This role emphasizes accuracy, English communication, and long-term growth in the Australian mortgage sector. The position offers a permanent work-from-home arrangement with a competitive salary package and opportunities for

Qualifications

• Minimum 2-3 years of hands-on Australian mortgage loan processing experience on the broker side.
• Proven end-to-end loan processing experience, from application through settlement, for both salaried and self-employed applicants.
• Strong knowledge of Australian lender policies, servicing requirements, borrowing capacity, and loan structuring.
• Experience assessing income, assets, liabilities, expenses, and borrowing capacity.
• Comprehensive knowledge of home, investment, construction, and SMSF loans.
• Demonstrated exposure to multiple Australian lenders, loan products, and complex lending scenarios.
• Proven ability to independently manage multiple loan files, lender requirements, stakeholders, and deadlines.
• Strong relationship management skills across brokers, lenders, solicitors, clients, and real estate professionals.
• Hands-on experience with mortgage CRM or loan platforms (Salestrekker, BrokerEngine, Infyniti, MyCRM, Quickli, Mercury, AOL, FLEX).
• Excellent written and verbal English communication skills, with exceptional accuracy and attention to detail.
• Stable work history and a commitment to long-term career growth in Australian mortgage industry.

Responsibilities

• Compile and lodge complete loan application packages with lenders, ensuring compliance with submission requirements.
• Prepare loan packages, including Statements of Advice and NCCP documents.
• Manage loan files from lodgement through approval and settlement.
• Liaise with clients, brokers, lenders, and solicitors to progress and finalise applications to settlement.
• Communicate with lender assessors to manage exceptions and escalations.
• Data entry for new clients and update records; organise supporting documents.
• Request pricing discounts and property valuations as required.
• Prepare post-settlement compliance records and loan breakdown documentation.
• Prepare and manage loan discharges for settlement and ongoing loan maintenance.
• Monitor loan applications daily and provide status updates.

Skills

Mortgage processing

End-to-end processing

Lender policies

Loan structuring

CRM systems

Client management

Tools

Salestrekker

BrokerEngine

Infyniti

MyCRM

Quickli

Mercury

ApplyOnline (AOL)

FLEX

Job description

Australian mortgage processing expertise means more than preparing documents-it means understanding the numbers, lender policies, loan structures, and decisions behind every successful application. Bring that depth to an AU Mortgage Loan Processor role where you'll independently manage broker-side residential lending from initial assessment and application through approval and settlement. Work across salaried and self-employed borrowers, multiple lenders, and home, investment, construction, and SMSF loans while building a long-term global career with Emapta, where Top 1% talent gains stability, international exposure, and meaningful professional growth.

Snapshot

Employment Type: Full-time

Work Setup: Permanent Work From Home

Salary: PHP 45,000 - PHP 65,000 (based on experience)

Qualifications

• Minimum 2-3 years of hands-on Australian mortgage loan processing experience on the broker side
• Proven end-to-end loan processing experience, from application through settlement, for both salaried and self-employed applicants
• Strong knowledge of Australian lender policies, servicing requirements, borrowing capacity, and loan structuring
• Experience assessing income, assets, liabilities, expenses, and borrowing capacity
• Comprehensive knowledge of home, investment, construction, and SMSF loans
• Demonstrated exposure to multiple Australian lenders, loan products, and complex lending scenarios
• Proven ability to independently manage multiple loan files, lender requirements, stakeholders, and deadlines
• Strong relationship management skills across brokers, lenders, solicitors, clients, and real estate professionals
• Hands-on experience with at least one mortgage CRM or loan platform, such as Salestrekker, BrokerEngine, Infyniti, MyCRM, Quickli, Mercury, ApplyOnline (AOL), or FLEX
• Excellent written and verbal English communication skills, with exceptional accuracy and attention to detail
• Stable work history and a genuine commitment to long-term career growth in the Australian mortgage industry

Responsibilities

• Compile and lodge complete loan application packages with lenders, ensuring compliance with lender-specific submission requirements.
• Prepare loan packages, including Statements of Advice, NCCP documents (Preliminary Assessments and Credit Proposal Disclosures), and application forms.
• Manage loan files from lodgement through conditional and unconditional approval, responding to lender conditions and requests.
• Liaise with clients, brokers, lenders, and solicitors to progress and finalise applications through to settlement.
• Communicate with lender assessors to manage and resolve exceptions and escalations.
• Complete data entry for new clients and update existing client records; collect, index, and organise supporting documents and identify any documentation gaps.
• Request pricing discounts and property valuations as required.
• Prepare post-settlement compliance records, including documentation advising clients of their loan breakdown.
• Prepare and manage loan discharges for settlement and support ongoing loan maintenance for the existing loan book.
• Monitor loan applications daily and provide regular progress and status updates.
• Competitive Salary Package
• Permanent WFH arrangement
• HMO coverage with free dependent upon regularization
• Paid Australian public holidays after probation
• Company-provided laptop
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Mentorship and exposure to global leaders and teams
• Diverse and supportive work environment

About the Client

Our client is an Australian-based mortgage brokerage supporting working professionals with residential lending solutions. They focus on structured lending strategy, credit advice, and long-term portfolio planning to help clients make informed financial decisions. Their services include home loans, investment lending, refinancing, and equity access, ensuring each finance structure supports clients' broader financial goals. Their remote operations team plays a critical role in maintaining service quality, upholding compliance standards, and delivering efficient turnaround times across the business.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.