Job Description

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.

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The Role

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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.

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

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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.

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You will:

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- Respond to inbound and outbound customer leads
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- Diagnose customers' financial challenges and objectives
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- Structure tailored lending solutions that improve cash flow and long-term outcomes
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- Clearly explain product benefits, constraints and risks
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- Prepare and present credit submissions
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- Guide customers through Midkey's digital loan application and documentation process
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- Actively manage your pipeline to achieve conversion, settlement and budget targets
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- Strive to improve work processes
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- Communicate with external partners eg valuers, other financial institutions.
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The role requires flexibility across Monday to Friday and close collaboration with a high-energy, growth-focused team.

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What success looks like in this role

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

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You will be comfortable:

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- Working to transparent sales targets, settlement budgets and KPIs
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- Persistently following up leads while maintaining a caring, customer-first approach
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- Thinking holistically about a customer's financial position
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- Restructuring existing debt (e.g. reducing home loans to improve cash flow)
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- Introducing lending or financial concepts customers may not have previously considered
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- Collaborating with other internal departments
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This role suits someone who genuinely enjoys solving complex problems, helping customers move forward, and taking ownership of outcomes from first call to settlement.

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Required candidate capabilities

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

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- Retail mortgage lending sales and customer service experience
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- Practical working knowledge of:
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- NCCP and Responsible Lending
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- Privacy Act
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- AML / CTF requirements
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- Previously held delegated credit authority
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- Experience in:
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- Business banking
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- Private banking
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- Specialist, non-bank or private lending
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- Small business or complex credit environments
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Candidates from these backgrounds typically bring the commercial judgement and adaptability required to succeed at Midkey.

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What we offer

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