Midkey Funds Management Pty Ltd (“Midkey”) is an Australian first. A specialist digital home loan provider that empowers the owners of residential real estate in Australia by unlocking their home equity with a No Monthly Payments Loan. To deliver on our vision, we're looking for a Business Development Managerwith experience in residential mortgages.

The Role

As a Lending Specialist, you will manage customer leads assigned to you, through to settlement — with accountability for both customer outcomes and loan settlement targets.

This is a sales-driven role that requires a robust balance of empathy, persistence and commercial acumen.

Many customers who come to Midkey have already been declined by banks or other lenders. As a result, they may arrive financially exhausted, frustrated, and cautious. Your role is to quickly build trust, deeply understand their situation, and confidently position Midkey as a credible and positive solution.

You will:

- Respond to inbound and outbound customer leads
- Diagnose customers’ financial challenges and objectives
- Structure tailored lending solutions that improve cash flow and long-term outcomes
- Clearly explain product benefits, constraints and risks
- Prepare and present credit submissions
- Guide customers through Midkey’s digital loan application and documentation process
- Actively manage your pipeline to achieve conversion, settlement and budget targets
- Strive to improve work processes
- Communicate with external partners eg valuers, other financial institutions.

The role requires flexibility across Monday to Friday and close collaboration with a high-energy, growth-focused team.

What success looks like in this role

Successful Lending Specialists at Midkey combine high-energy sales capability with strong credit judgement.

You will be comfortable:

- Working to clear sales targets, settlement budgets and KPIs
- Persistently following up leads while maintaining a caring, customer-first approach




- Thinking holistically about a customer’s financial position
- Restructuring existing debt (e.g. reducing home loans to improve cash flow)
- Introducing lending or financial concepts customers may not have previously considered
- Collaborating with other internal departments

This role suits someone who genuinely enjoys solving complex problems, helping customers move forward, and taking ownership of outcomes from first call to settlement.

Required candidate capabilities

- Strong sales mindset with accountability for pipeline and settlement outcomes
- Passion for helping customers find practical lending solutions
- Excellent communication skills, with the ability to build trust quickly
- Strong credit judgement and attention to detail
- Ability to balance empathy with commercial decision-making
- High energy, resilience and persistence
- Collaborative team player with a continuous improvement mindset
- Comfortable working in a fast-growing, evolving business

Preferred experience

- Retail mortgage lending sales and customer service experience
- Practical working knowledge of:
- NCCP and Responsible Lending
- Privacy Act
- AML / CTF requirements
- Previously held delegated credit authority
- Experience in:
- Business banking
- Private banking
- Specialist, non-bank or private lending
- Small business or complex credit environments

Candidates from these backgrounds typically bring the commercial judgement and adaptability required to succeed at Midkey.

What we offer

- Competitive remuneration, including performance bonuses
- Participation in an employee share scheme
- A high-quality lead flow and compelling product offering
- A supportive, ambitious team culture
- Long-term career opportunities in a growing alternative lender
- A business proposition you can genuinely believe in

Applicants must have unrestricted working rights in Australia. Australian citizens, permanent residents and New Zealand citizens eligible to work in Australia are encouraged to apply. Please note that employer-sponsored visas are not available for this position.

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📌 Home Loan Specialist (City of Sydney)
🏢 Midkey
📍 City of Sydney