Parabroker/Credit Analyst

If you're assessing files inside a bank right now, you already know the frustrating part.

You can see exactly how the deal should have been structured. You just don't get to say so. You decline it, it comes back three weeks later restructured by someone who finally listened, and you never speak to the person whose house it was.

Come and do it from the other side.

About us

@realty is one of Australia's largest real estate networks, with 950+ agents across Australia and New Zealand. @realty Finance is the mortgage brokerage sitting inside that network, which means our deal flow arrives warm. Buyers already working with an agent they trust, at the moment they need finance.

The role

Mainly residential lending, with some commercial. You'll sit between the client, the broker and the lender, and own everything from initial scenario through to unconditional:

• Structuring and assessing deals, covering servicing, policy and exit strategy

• Preparing and lodging applications through AFG

• Interrogating supporting documents and closing the gaps before the assessor finds them

• Matching scenarios to policy across AFG's full residential panel, from the majors through to second tier and non bank

• Running files through to settlement, including conditions, valuations, escalations and BDM relationships

• Keeping clients and referring agents genuinely informed, not just cc'd

About you

You're either an experienced parabroker, or you're inside a lender as a credit assessor, credit analyst or lending specialist and you want out of the queue and into the deal. Both work. What we need is:

• Solid working knowledge of residential lending policy and servicing across the majors and second tiers

• Forensic with documents. The kind of person who reads the whole payslip.

• A clear, calm communicator. You'll be speaking to agents and clients directly, not processing anonymous files.

• Organised enough to run 30+ live files without one going quiet

• Cert IV in Finance & Mortgage Broking is a plus, though we care more about what you can assess than what you've framed

If you're crossing over from a lender, you won't be thrown in. The broking side gaps, meaning the AFG platform, panel breadth and working directly with clients, all get properly covered.

What's on offer

• Salary negotiated on experience. We'd rather match the person than advertise a band and squeeze someone into it.

• Direct access to leadership. Small team, decisions made same day, no committee.

• A genuine path to writing your own book under your own accreditation if that's where you're headed. Or stay specialist and become the person the brokers can't operate without.

This role is based in our Gold Coast office and works best with the team around you, particularly early on. A lot of what you'll pick up here gets picked up by overhearing it. If you're the right person and you need some flexibility in how that looks, tell us at interview and we'll talk it through.