Loan Processor (Hybrid)

Smartfinn Solutions | Full-time | Remote (Only from Kerala State) | ₹20,000 – ₹22,000 per month

About us

Smartfinn Solutions (www.smartfinnsolutions.com) is the back-end processing team behind a growing panel of 40+ Australian mortgage brokers. Our back end staff takes the loans from first conversation to settlement for our brokers, and we train you in Australian lending so you can do it with confidence.

The role

This is a work-from-home role. From time to time you may be asked to attend in person for training, team days or business needs with reasonable notice.

You'll work closely with your assigned brokers, own a pipeline of loan files, and keep everyone moving smoothly to settlement.

What you'll do:-

Pre-submission and structuring

- Review client scenarios with the broker and prepare product comparisons and loan structure options

- Run initial serviceability and borrowing capacity checks using lender calculators

- Collect fact-find information and supporting documents directly from clients

- Check documents for completeness, currency and lender suitability – and chase gaps or substitutes

- Organise, label and file documents to Smartfinn's naming standards

- Complete data entry in our CRM (e.g. Connective Mercury) and keep client records up to date

Submission and approval

- Order valuations and submit pricing requests

- Prepare and lodge applications via ApplyOnline and lender portals

- Draft clear submission notes summarising the deal for the lender's credit assessor

- Arrange client signatures (including e-signature) on application and consent forms

- Follow up lenders on progress and respond promptly to further information requests

- Work with the broker to resolve declines,



restructure and resubmit where needed

Approval to settlement

- Track conditional and unconditional approvals and satisfy outstanding conditions

- Review loan documents, explain next steps to clients and coordinate the return of signed documents

- Liaise with conveyancers, solicitors, accountants and lender settlement teams

- Monitor files through to settlement, updating the broker and client at each milestone

- Post-settlement: confirm settlement, update the CRM and set reminders for annual reviews and fixed-rate expiries

Compliance and quality

- Prepare compliance documents, including the Credit Guide, Preliminary Assessment/Credit Proposal and Best Interests Duty notes

- Complete client identity verification (VOI) and keep file notes to aggregator audit standards

- Handle client personal information in line with the Australian Privacy Principles and our data security policy

Broker support

- Research lender policy, rates and product changes

- Support brokers with other Admin and marketing tasks to run their business efficiently

- Maintain broker pipeline reports and task lists

- Support refinance, top-up and rate review requests for existing clients

About you:-

- Excellent written and spoken English as you will be emailing and calling Australian clients and lenders daily

- A confident,



friendly phone manner and a positive "how can I help?" attitude

- Highly organised, able to juggle multiple files and deadlines

- Excellent attention to detail and accuracy

- Self-motivated and reliable working remotely with minimal supervision

- Enjoys challenges and problem-solving

- Minimum Bachelor's degree

Nice to have

- Experience processing Australian home loans (NZ mortgage processing also valued)

- Familiarity with ApplyOnline, Connective Mercury or any similar platforms exclusive to Mortgage broking

- Working knowledge of NCCP responsible lending obligations

- Comfortable with Excel or Google Sheets

Your work-from-home setup:-

- Reliable high-speed internet, plus a backup connection (e.g. mobile hotspot)

- A quiet, private workspace suitable for client calls and confidential information

- Availability to work hours aligned with Australian business hours (early-morning IST shift – details discussed at interview)

What we offer:-

- Structured training in Australian lending and loan processing

- Laptop or desktop, headset with microphone and webcam

- Fully remote work, with ongoing support from experienced brokers and processors

- Real exposure to the Australian finance industry

- Room to grow into senior processor and team lead roles as we expand

How to apply:-

Email your resume to [email protected] with the subject line "Loan Processor – [Your Name]". Include a short note on any loan processing experience you have.

Pay: ₹20,000.00 - ₹22,000.00 per month

Benefits:

- Flexible schedule
- Paid sick time
- Paid time off
- Work from home

Work Location: Hybrid remote in Kochi, Kerala

📌 Loan Processor (Hybrid) (Kochi)
🏢 Smartfinn Solutions
📍 Kochi