Senior Loan Writer

About the Role
This is a critical engine-room position supporting one of our top-performing Mortgage Advisers. You'll transform raw client data into bank-ready loan applications, acting as the primary liaison between the Adviser, clients, and lenders. Your goal: submit applications of such quality that credit assessors have nothing to query—protecting our reputation for excellence with New Zealand's lending institutions.

Key Responsibilities

Loan Application Preparation & Packaging

• Document analysis — Conduct comprehensive reviews of client financials (payslips, bank statements, IRD summaries, identification).
• Serviceability calculations — Perform accurate lending assessments using lender-specific calculators to ensure applications meet each bank's criteria.
• A-grade submissions — Package every application with detailed Broker Notes explaining the client's character, capacity, and any complexities—minimising touchpoints with credit teams.

Lender & Pipeline Management

• Bank liaison — Serve as the primary contact for BDMs and credit underwriters, professionally advocating for each application.
• Condition management — Proactively satisfy Conditional Approval requirements (valuations, proof of deposit, gifting letters) to move files to Unconditional status.
• Settlement coordination — Work with solicitors and clients to ensure loan documents are signed correctly and returned well ahead of settlement.

Compliance & Administration

• CRM management — Maintain meticulous records in MyCRM, ensuring all disclosure documents and advice trails meet FSLAA standards.
• Process improvement — Identify and implement workflow efficiencies that support the Adviser's growth.
  
  

What You'll Bring

• 3–5+ years in the New Zealand mortgage industry (brokerage or retail bank lending).
• Strong lender policy knowledge — LVR restrictions, First Home Grant/Loan requirements, and the nuances between the Big 4 and non-bank lenders (SBS, Resimac, Avanti, etc.).
• Uncompromising attention to detail — You spot a missing transaction or undisclosed debt before the bank does.

Skills

• Financial literacy — Confident interpreting complex financials, including self-employed and company structures.
• Communication — Exceptional written English; able to explain complex concepts clearly to clients.

How We'll Measure Success: KPI

What it means

• First-time approval rate: Applications approved without additional RFIs
• Turnaround time: Speed from document receipt to lender submission
• Client satisfaction: Positive feedback on the onboarding and settlement experience

Ready to bring your expertise to a high-performing team? We'd love to hear from you.