Loan Process & Compliance Officer Full Time NEW

Loan Process & Compliance Officer

Smartfinn Solutions Pvt Ltd | Full-Time | Monday to Friday

Smartfinn Solutions is a specialised back-end support company assisting Australian mortgage

brokers with loan processing, operations, compliance, and business support services.

We are seeking a highly experienced professional who is VERY familiar with the Australian

mortgage industry and possesses strong operational knowledge, exceptional attention to

detail, and the ability to identify potential fraud, compliance risks, and high-risk loans

applications before submission.

While the role is currently remote, Smartfinn Solutions plans to establish an office in Cochin

with a future hybrid working model.

About the Role:-

This role is ideal for an experienced mortgage processing or credit professional who has

extensive hands-on exposure to Australian home loan applications, and understands how to

identify risk beyond what is visible on the surface.

The successful candidate will possess:

 A strong understanding of Australian mortgage compliance

 Sharp analytical and investigative skills

 The intuition to identify unusual trends, inconsistencies, and potential fraud indicators

 A proactive mindset focused on protecting the business and brokers

We are looking for someone who can think critically, question inconsistencies, and assess the

overall integrity of a loan application.

Key Responsibilities:-

Compliance & File Review

 Conduct detailed reviews of loan applications to ensure compliance with:

o NCCP requirements and internal compliance standards

o Responsible lending obligations

o Lender policies

 Review all supporting documents uploaded within Mercury CRM and ensure

completeness and accuracy

 Verify that notes, client objectives, liabilities, income, and application details align

correctly across all documents.

Risk & Fraud Identification

 Perform forensic-style checks on supporting documents, including:

o Payslips and Employment evidence

o Bank statements

o Tax documents

o ID documents

 Detect potential fraud indicators, manipulated documents, undisclosed liabilities, or

suspicious transaction patterns

 Escalate high-risk matters promptly to management and relevant stakeholders

 Apply practical judgement and intuition to identify applications that may expose

brokers or the business to future risk.

Broker &Team Support

 Work closely with brokers, processors, and admin staff to rectify compliance gaps

 Provide guidance and practical solutions to improve submission quality

 Assist in developing stronger compliance awareness across the team

 Conduct internal training sessions on compliance standards, lender expectations, and

risk management

Process Improvement & Reporting

 Recommend operational improvements to strengthen compliance processes and

efficiency

 Assist in developing internal compliance frameworks and quality control systems

 Prepare analytical reports for management on:

o Compliance trends

o Common errors

o Risk areas

o File quality performance

Skills & Experience:-

Essential Requirements

 Minimum 3–5 years’ experience within the Australian mortgage broking, loan

processing, credit assessment, or banking industry

 Strong understanding of Lender policies and Servicing calculators

 Deep knowledge of Australian mortgage compliance records

 Excellent attention to detail with strong investigative ability

 Ability to identify anomalies, inconsistencies, and high-risk scenarios

 Strong written and verbal English communication skills

 Excellent organisational and multitasking skills

 Confident in interacting with brokers and stakeholders professionally

Preferred Qualities:-

 Strong intuition and analytical thinking

 High level of integrity and accountability

 Leadership and mentoring capability

 Team-oriented with a proactive approach

Educational Qualification:-

 Bachelor’s Degree preferred

 Mortgage or finance-related qualifications advantageous.

If you have strong experience in Australian mortgage operations and believe you can protect

the integrity of loan applications through careful assessment and critical thinking, we would

love to hear from you.

To apply, please send your resume to hr@smartfinn.com.au and a brief introduction outlining your experience in the Australian mortgage industry.