How a Mortgage Broking Hire Lets You Write More Loans Without Working More Hours
What a Mortgage Broking Hire Can Do For Your Business
Loan Processor | Credit Analyst
A Philippines-based mortgage broking hire through Tarino can take on the tasks below. Use this as a guide when scoping the role before your discovery call.
GENERAL ADMIN
Task | What this looks like in practice |
|---|---|
Email & inbox management | Organising, responding to, and actioning client and lender emails. Sorting to CRM folders for compliance tracking. |
Calendar & appointment setting | Managing the broker's calendar. Booking client consultations, scheduling lender meetings, sending reminders. |
CRM management | Maintaining accurate client records in platforms like MyCRM, Salesforce, or HubSpot. Logging all interactions and follow-up tasks. |
File & document management | Organising electronic files across Google Drive, OneDrive, or SharePoint using consistent naming and folder structure. |
Data entry | Inputting client and loan data accurately across systems. Meeting turnaround expectations. |
Meeting minutes | Recording and distributing clear meeting notes with action items after client or internal meetings. |
Process documentation | Writing and maintaining SOPs, process guides, and training materials as workflows evolve. |
LOAN PROCESSING
Task | What this looks like in practice |
|---|---|
Client fact-find & information gathering | Identifying required information for the loan application. Following up with clients to close gaps in residential history, income, and ID. |
Document collection & verification | Identifying required supporting documents based on client circumstances (PAYG/self-employed, purchase/refinance). Checking validity and currency. |
Serviceability calculations | Running generic and lender-specific serviceability calculators. Accurately calculating PAYG, overtime, bonus, and self-employed income per lender policy. |
Product research & comparison reports | Generating product comparison reports based on client preferences. Lodging pricing and cashback requests with lenders. |
Policy research & credit scenarios | Researching lender credit policy via policy documents, aggregator CRM, and tools like Brokerpedia. Running scenarios with BDMs and credit hotlines. |
Application packaging & pre-fill | Pre-filling AOL and lender application forms. Ordering upfront valuations. Confirming all documents are present before submission. |
Compliance & NCCP documents | Generating Credit Proposal Disclosure, Needs Analysis, and Preliminary Assessment documents. Updating to reflect broker instructions. |
Submission notes | Drafting clear submission notes covering product suitability, best interest duty obligations, income calculations, and living expense commentary. |
Loan lodgement | Submitting applications via ApplyOnline. Uploading supporting documents and broker notes to both CRM and AOL. |
Valuation orders | Requesting and monitoring property valuations. Responding promptly to lender follow-up requests. |
Loan tracking through to settlement | Monitoring application progress at each stage. Handling routine requests independently. Escalating complex issues to the broker. |
Post-settlement follow-up | Managing post-settlement client onboarding, banking product setup, fixed/IO expiry follow-ups, and loan review communications. |
CREDIT ANALYSIS
Task | What this looks like in practice |
|---|---|
Credit report retrieval & review | Obtaining credit reports from relevant bureaus. Reviewing for discrepancies and preparing summaries for broker review. |
Financial statement analysis | Evaluating client income, assets, and liabilities. Comparing against lender benchmarks and industry standards. |
Borrower credit assessment | Assessing creditworthiness based on lender criteria. Identifying potential issues or red flags before submission. |
Risk analysis documentation | Preparing credit analysis summaries and risk reports to support broker decision-making and lender submissions. |
Compliance file preparation | Compiling credit files for compliance audits. Ensuring all documentation meets regulatory and lender requirements. |
Lender communication | Coordinating with lenders for additional information or clarification. Following up on outstanding queries. |
Market research | Researching current lending trends, interest rates, and lender product changes to keep the broker informed. |
Why mortgage broking support works well offshore
Loan processing is one of the highest-value offshore use cases in Australian financial services. The work is structured, sequenced, and software-driven — and the Philippines produces professionals who are genuinely experienced in Australian mortgage workflows, aggregator platforms, and lender requirements. For broking businesses where the broker is still touching every application, an offshore loan processor is often the single hire that unlocks the most growth. It's not about cutting costs — it's about letting your broker do what only a broker can do.
How Tarino finds the right person
Mortgage broking hires need to understand more than process — they need lender policy awareness, income calculation accuracy, and the judgment to know when to escalate. Tarino screens candidates for aggregator platform experience (MyCRM, ApplyOnline), practical serviceability and document tasks, and a demonstrated track record in Australian loan processing. All candidates are background checked through Veremark before their profile reaches you.
Ready to scope the role?
If your broker is still packaging loans, chasing documents, or managing lender follow-up, it's worth a conversation. Book a discovery call with Tarino and we'll help you scope the role and find the right person — one-time placement fee of $5,000 + GST, no ongoing markups.