Job Description

PAYG Paid Mortgage / Finance Broker-Mandarin Required

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We are seeking a motivated and client-focused Mortgage / Finance Broker to join our team under a PAYG employment arrangement. The successful candidate will be responsible for assisting clients with residential lending, refinancing, investment lending and related finance solutions, while ensuring a high standard of customer service, compliance and responsible lending practices.

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Position Overview

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We are seeking a motivated and client-focused Mortgage / Finance Broker to join our team under a PAYG employment arrangement. The successful candidate will be responsible for assisting clients with residential lending, refinancing, investment lending and related finance solutions, while ensuring a high standard of customer service, compliance and responsible lending practices.

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Key Responsibilities

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- Conduct client discovery meetings to understand financial circumstances, borrowing needs, objectives and long-term goals.
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- Assess client borrowing capacity, income, expenses, liabilities, credit history and supporting documents.
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- Research, compare and recommend suitable loan products from the approved lender panel.
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- Prepare, package and submit loan applications through relevant lender and aggregator systems.
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- Liaise with clients, lenders, assessors, valuers, solicitors, accountants and referral partners to progress applications through to approval and settlement.
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- Maintain accurate client records, compliance notes, file documents and CRM updates.
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- Provide regular updates to clients and internal stakeholders throughout the loan process.
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- Assist with post-settlement care, refinancing opportunities, annual reviews and ongoing client relationship management.
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- Develop and maintain referral relationships with real estate agents, accountants, financial planners and other business partners.
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- Meet agreed activity, conversion, settlement, customer service and compliance targets.
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Compliance and Professional Standards

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- Comply with all applicable Australian credit legislation, including the National Consumer Credit Protection Act 2009, responsible lending obligations, Best Interests Duty and conflict priority requirements.
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- Ensure all credit assistance is suitable, client-focused, properly documented and supported by reasonable inquiries, verified financial information and clear recommendation rationale.
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- Maintain complete file notes, product comparisons, client objectives, disclosure records, consent records and supporting documents sufficient for internal review, lender assessment, aggregator audit and regulatory scrutiny.
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- Follow internal policies, lender requirements, aggregator procedures, privacy obligations, data security requirements and anti-money laundering/counter-terrorism financing processes where applicable.
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- Identify, disclose and manage actual, potential or perceived conflicts of interest, including referral arrangements, commission structures, lender relationships and any incentive arrangements.
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- Protect client confidentiality and personal information at all times, including secure handling of identity documents, financial records, bank statements, payslips, tax information and loan application data.
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- Act honestly, efficiently and fairly, and maintain qualified, ethical and client-first conduct in all dealings with clients, lenders, colleagues and referral partners.
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- Complete required training, continuing professional development, compliance attestations, supervision requirements, file audits and remedial actions as directed by the business, licensee or aggregator.
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Required Qualifications and Experience

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- Certificate IV in Finance and Mortgage Broking is required or preferred, depending on licensing and business structure.
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- Diploma of Finance and Mortgage Broking Management is highly regarded.
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- Previous experience as a Mortgage Broker, Finance Broker, Credit Analyst, Parabroker or Loan Processor is preferred.
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- Strong understanding of Australian residential lending, lender credit policies and loan application processes.
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- Experience using CRM, loan origination, ApplyOnline or aggregator systems is advantageous.
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- Strong written and verbal communication skills in English; bilingual capability may be advantageous depending on client base.
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Key Skills and Attributes

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- Client-focused with strong relationship-building skills.
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- High attention to detail and strong compliance mindset.
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- Ability to explain complex lending options clearly and professionally.
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- Strong sales, negotiation and problem-solving ability.
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- Organised, proactive and able to manage multiple applications at different stages.
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- Comfortable working to targets while maintaining quality client outcomes.
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PAYG Remuneration Structure

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This role is offered as a PAYG employee position. Remuneration may include a base salary, superannuation, and performance-based commission or bonus, subject to the employment agreement and company policy. Any commission, bonus, trail or incentive arrangement should be clearly documented in the employment contract.

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Employment Terms and Conditions

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- The role is offered as a PAYG employee position and is subject to the terms of the applicable employment agreement, workplace policies and any relevant Australian employment legislation.
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- Ordinary working hours, work location, hybrid or remote work arrangements, probation period and reporting requirements will be confirmed in the employment contract or letter of offer.
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- The employee must comply with company policies and procedures, including conduct, confidentiality, information security, client communication, record keeping, complaints handling, leave,



expenses and workplace health and safety policies.
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- Salary, superannuation, commission, bonus, trail or incentive entitlements will be paid only in accordance with the employment agreement, payroll rules and approved remuneration policy.
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- The employee may be required to participate in induction, supervision, coaching, compliance training, performance reviews and regular team meetings.
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- The employee must use approved business systems, email accounts, CRM records, document storage, lender portals and aggregator platforms when conducting work-related activities.
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- Any outside business activities, referral arrangements or potential conflicts must be disclosed and approved in accordance with company policy before they are undertaken.
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Key Performance Indicators

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- Client activity: Complete an agreed number of qualified client consultations, discovery calls and needs assessments each week or month, as set by management.
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- Application pipeline: Maintain an active pipeline of pre-approvals, purchase applications, refinances and investment lending opportunities with accurate stage tracking in the CRM.
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- Conversion performance: Achieve agreed conversion targets from enquiry to appointment, appointment to application, application to approval and approval to settlement.
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- Settlement outcomes: Meet agreed monthly or quarterly settlement volume and loan value targets, subject to market conditions, lead flow, client suitability and responsible lending requirements.
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- Client service: Provide timely updates to clients at key milestones, respond to client enquiries within agreed timeframes and maintain a professional, client-first experience throughout the lending process.
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- Compliance quality: Maintain complete and accurate files, including client objectives, fact finds, supporting documents, product comparisons, recommendation rationale, disclosures, consents and file notes.
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- Audit results: Achieve satisfactory internal file review, licensee, aggregator or lender audit outcomes, and promptly complete any rectification actions identified through compliance reviews.
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- CRM and administration: Keep all client records, tasks, lender communications, application statuses, follow-up notes and settlement information accurate and up to date.
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- Referral and business development: Develop and maintain agreed referral partner relationships, generate repeat business opportunities and support client review or retention campaigns.
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- Post-settlement care: Complete agreed post-settlement check-ins, annual reviews, refinancing reviews and retention activities to support ongoing client relationships.
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- Training and professional development: Complete required compliance training, lender training, CPD, product updates, internal coaching and system training within required timeframes.
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- Performance review: KPI targets will be set, monitored and reviewed regularly by management and may be adjusted based on role level, lead source, employment status, market conditions and business priorities.
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📌 PAYG Paid Mortgage / Finance Broker-Mandarin Required (New South Wales)
🏢 Myloans Services
📍 New South Wales