Nepal Mortgage Loan Processor and Credit Analyst

Job description

Job Summary:

The Loan Processor is responsible for managing the mortgage loan process from application to closing. This role involves gathering and verifying financial information, reviewing loan applications for compliance, liaising between the borrower and underwriter, and working with mortgage aggregators to ensure a smooth and efficient loan approval process.

Key Responsibilities:

• Collect and review loan applications and supporting documents to ensure completeness and accuracy.

• Request information from clients and conduct thorough reviews.

• Obtain and verify necessary financial information, including income, assets, and credit reports.

• Conduct credit checks and cross-check with disclosed liabilities.

• Ensure all loan applications comply with Australian lending regulations and guidelines.

• Review Cashdeck for Livex and undisclosed liabilities.

• Act as a liaison between borrowers, underwriters, mortgage aggregators, and other stakeholders to facilitate the loan approval process.

• Work closely with mortgage aggregators to submit loan applications, track progress, and resolve any issues that arise.

• Order valuations and manage post-approval to settlement process.

• Prepare and submit loan files to mortgage lenders and banks for approval.

• Track and follow up on loan applications to ensure timely processing and approval.

• Address and resolve any issues or discrepancies that arise during the loan processing stage

• Provide exceptional customer service to borrowers, answering their questions and guiding them through the loan process.

• Conduct CCR (comprehensive credit reporting) and cross check against disclosed liabilities

• Request outstanding documents based on CCR including (if applicable):

  • Credit card statements

  • Personal loan statements

  • Car loan statements

  • HECS statements

• Check Cashdeck (or whatever software is being used); OpenBanking for undisclosed liabilities and cross check against Declared Livex/HEM

• Correspond with client for any outstanding information

• Complete high level/initial serviceability check on Quickl (for PAYG/simple apps)

• Conduct pricing request and product comparison on a case by case basis

• Prepare AOL for submission

Job requirements

Qualifications:

• Experience: Must have 2 years of experience in Australian mortgage loan processing

• Knowledge: Strong understanding of Australian mortgage lending regulations and guidelines.

• Skills: Excellent analytical, communication, and organizational skills. Proficiency in mortgage processing software and Microsoft Office Suite.

• Strong understanding of mortgage underwriting processes and loan types.

Preferred Attributes:

• Attention to detail: High level of accuracy in reviewing and processing loan applications.

• Problem-solving: Ability to address and resolve issues efficiently.

• Client-oriented: Strong focus on providing excellent client service.

• Time management: Ability to manage multiple tasks and meet deadlines.

• Ethical standards: Commitment to maintaining confidentiality and integrity in all dealings.

Tools and Software:

• CRM Systems: Proficiency in using CRM systems like Quickli, Apply Online, Mercury and Property Hub to track and manage client interactions.

• Aggregator Platforms: Familiarity with mortgage aggregator platforms such as AFG, Connective, SFG or PLAN Australia.

Technical Requirements:

• Equipment is self-provided

• USB Headset with Noise Cancellation feature

• Working Webcam

• Computer with at least 1.5 GHz processor and at least 8GB RAM

• Main Internet Service Speed: at least 50 Mbps cable connection

• Backup Internet Service Speed: at least 25 Mbps

• Dual Monitor

Benefits of Contracting with Wingman

• Discretionary Bonus - not a 13th month pay, entirely subject to company discretion.

• Referral Bonus - 70 AUD per successful referral to the Wingman platform (paid at 1st month mark with a client contract).

• Dedicated Support Contact (CSM) - someone to help you succeed and stay connected.

• Access to a Network - collaborate with fellow contractors and onshore specialists.

• Opportunities to Upskill - optional sessions, peer learning, and developmental pathways.

• More Work, More Opportunity - potential for additional contracts, Statements of Work, or expanded workloads.

• High-Impact Projects - work alongside top-tier Australian partners on meaningful assignments.

• Flexibility First - deliver your work in your way, with full autonomy on how you achieve outcomes.

• Advisory Support - HR, Tax, and setup guidance available to make contracting seamless.

• 20 Days Paid Flexibility Allowance - built into your contracting model for time away from delivery.

• Annual Trip (Optional) - connect with the broader Wingman community in person.

• 100% Work-From-Home Contracts - all engagements designed for remote delivery.

Pre-employment Requirements:

• BIR as you are a contractor (Required to submit any contributions required by the government.)

• NBI or Police Clearance

• Any Government-issued ID