Mortgage Broker

State Financial Services Australia — Canberra, ACT

Permanent, full-time (38 hours per week)

$90,000 annual base salary plus superannuation

About State Financial Services

State Financial Services Australia is an Australian mortgage and finance brokerage assisting clients with residential property lending, refinancing, investment property finance, business loans, commercial finance and asset and equipment finance. Working with a broad range of lenders, we help clients compare appropriate finance options and navigate the lending process.

We are seeking an experienced Finance Broker to join our Canberra office in Belconnen and provide tailored lending solutions to individuals and businesses. The successful applicant will manage client finance requirements from initial consultation and loan assessment through lender negotiations, application and settlement.

About the role The Finance Broker will independently assess clients’ financial circumstances and borrowing objectives, research and compare suitable finance products, arrange finance with banks and other lenders, and negotiate lending terms on clients’ behalf. The role involves direct client engagement and substantive responsibility for the broking process.

This is an ongoing, full time, office-based position located at Level 1, 11 Swanson Court, Belconnen ACT 2617. Local client and lender meetings may be required.

Key Responsibilities

- Consult with prospective and existing clients to identify financing objectives, borrowing needs, financial circumstances, repayment capacity and risk considerations;
- Collect and assess information on clients’ income, assets, liabilities, credit history and supporting financial documents to establish borrowing requirements and preliminary serviceability;
- Research, compare and evaluate residential mortgage, refinancing, investment, business,



commercial and asset-finance products offered by banks and other lenders;
- Explain appropriate lending options, loan structures, interest rates, fees, loan terms, repayment obligations and material conditions to clients;
- Recommend suitable finance solutions based on each client’s circumstances, financial objectives and applicable lending criteria;
- Negotiate with banks, financiers and other lending institutions on finance terms, pricing, loan structure, conditions and approvals on clients’ behalf;
- Prepare and coordinate finance proposals, loan applications, supporting financial analyses and documentation setting out loan conditions, repayment arrangements and terms;
- Liaise with lenders, clients, valuers, conveyancers and other relevant parties to resolve enquiries, satisfy approval conditions and progress applications through to settlement;
- Monitor application progress, communicate credit decisions and finance conditions, and maintain accurate client records and lender correspondence;
- Identify potential credit, affordability and compliance issues and ensure that broking activities comply with applicable consumer credit laws, responsible lending obligations, privacy requirements and internal policies; and
- Maintain current knowledge of lender credit policies, lending products, market conditions and relevant regulatory changes.

Required qualifications, experience and skills To be considered for this position, applicants must have:





- At least three (3) years of relevant experience in finance or mortgage broking, involving the assessment of client finance requirements and arranging loans through third-party lenders;
- Minimum AQF Diploma, Advanced Diploma or Associate Degree in finance, mortgage broking, banking, financial services or a closely related discipline;
- Demonstrated experience assessing clients’ borrowing needs and financial positions, comparing lender products and negotiating lending terms;
- Sound knowledge of residential mortgage products, loan structures, credit assessment, lender policies and applicable credit and responsible lending requirements;
- Ability to interpret financial documents, calculate and assess loan serviceability, prepare finance applications and manage lender conditions;
- Strong client advisory, negotiation, communication and relationship-management skills; and
- Excellent attention to detail, organisation and ability to independently manage multiple loan applications.

How to Apply We welcome applications from all appropriately qualified candidates and will assess applicants fairly on their relevant qualifications, experience, skills and suitability for the position.

Please apply through the recruitment platform on which this advertisement appears and include:

- A current resume setting out relevant finance or mortgage broking experience; and
- A brief cover letter explaining your suitability for the role.

Shortlisted applicants may be asked to provide evidence of relevant qualifications, employment experience and authorisation. Please submit your application through one recruitment platform only to avoid duplicate applications. Only shortlisted candidates will be contacted. Pay: $90,000.00 per year

Work Location: In person

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