Australian Mortgage Broking Support Specialist and Accountant

ABOUT MARCOS ADVISORY VIETNAM

Marcos Advisory Vietnam supports an Australian professional services group providing accounting, taxation, business advisory and mortgage-broking services.

Our Vietnam team works closely with experienced Australian professionals to deliver accurate, timely and high-quality services to Australian clients.

ABOUT THE ROLE

We are seeking an Australian Mortgage Broking Support Specialist and Accountant at junior or intermediate level.

Mortgage-broking support will be the primary focus of the position. You will support the Australian mortgage-broking operations of Trinity Financial Solutions throughout the lending process, including reviewing financial information, researching lending solutions, preparing loan applications and managing applications through to settlement.

You will work under the direction and supervision of experienced Australian mortgage brokers. Final lending recommendations and credit advice will remain the responsibility of the appropriately authorised Australian broker.

When the mortgage-broking workload does not require your full capacity, you will assist the Marcos Advisory team with junior or intermediate-level Australian accounting and taxation work.

This is a full-time position based in Vietnam. It is ideal for someone who wants to develop specialised expertise in Australian mortgage broking while continuing to strengthen their accounting skills.

PRIMARY RESPONSIBILITIES – MORTGAGE BROKING SUPPORT

- Gather and review client documentation, including identification, income, assets, liabilities, living expenses and loan objectives.

- Check client information and supporting documents for completeness, consistency and accuracy.

- Assess clients’ financial circumstances and prepare preliminary borrowing-capacity calculations.

- Use lender servicing calculators.

- Research and compare lender products, policies and eligibility requirements.

- Prepare loan-product comparisons and proposed loan structures for review by the Australian mortgage broker.

- Identify potential servicing, credit, documentation and lender-policy issues.

- Prepare compliant loan applications and supporting documentation.

- Draft lender submission notes for review and approval.

- Enter and maintain information in mortgage-broking, aggregator and CRM systems.

- Submit and manage loan applications under supervision.

- Liaise with clients, lenders and other parties regarding documentation and application progress, as authorised.

- Monitor applications through conditional approval, formal approval and settlement.

- Manage requests for additional information and follow up outstanding matters.

- Maintain complete and accurate client records and workpapers.

- Follow Australian privacy, verification, record-keeping and compliance procedures.

- Provide professional and responsive support throughout the lending journey.

The position does not involve independently recommending loan products or providing credit advice. Final recommendations and regulated mortgage-broking activities must be reviewed and approved by the authorised Australian mortgage broker.

SECONDARY RESPONSIBILITIES – AUSTRALIAN ACCOUNTING

When mortgage-broking workload permits, you will assist with work appropriate to your experience level, including:

- Preparing Australian financial statements and income tax returns for individuals, companies, trusts and partnerships.

- Preparing Business Activity Statements and Instalment Activity Statements.

- Processing and reviewing accounting records.

- Completing bank, GST and general-ledger reconciliations.

- Preparing workpapers and supporting schedules.

- Assisting with payroll, superannuation and other compliance obligations.

- Liaising with the Australian team to obtain information and resolve accounting queries.

- Maintaining accurate client files and supporting documentation.

- Assisting senior accountants with taxation and business advisory matters.

- Meeting internal deadlines and quality standards.

WHY JOIN MARCOS ADVISORY VIETNAM?

We offer:

- Guaranteed 13th-month salary.

- Annual performance bonus based on individual and company performance.

- Annual salary review.

- Paid professional training and development.

- Direct training and mentoring from experienced Australian mortgage brokers and accountants.

- Practical exposure to the complete Australian home-loan process, from initial assessment through to settlement.

- Experience working with Australian clients, lenders, accounting systems and professional practices.

- A distinctive career path combining Australian mortgage-broking support and accounting.

- Opportunities to strengthen your professional English through regular communication with the Australian team.

- Long-term career-development opportunities as our mortgage-broking operations grow.

- 15 days of annual leave and 5 days of paid sick leave per annum.

- Working hours from 9:00 am to 5:30 pm, Monday to Friday, with weekends off.

- A stable, professional and collaborative working environment where high-quality work is recognised.

Yêu cầu công việc

LENDING KNOWLEDGE

You have a sound understanding of:

- Australian residential loan products, including variable, fixed, split, interest-only and principal-and-interest loans.

- Loan-to-Value Ratio (LVR), Lenders Mortgage Insurance (LMI), offset accounts and redraw facilities.

- Basic Australian lender policies and first-home-buyer schemes.

- Borrowing-capacity and lender-servicing calculations.

- The general loan application, approval and settlement process.

LENDING AND LOAN-PROCESSING SKILLS

You can:

- Assess borrowing capacity using servicing calculators.

- Review income, expenses, assets and liabilities.

- Identify potential servicing, documentation and lender-policy issues.

- Compare lender products and prepare suitable options for broker review.

- Prepare loan applications and supporting documentation.

- Draft clear lender submission notes.

- Manage applications through aggregator and CRM systems.

- Track applications through to approval and settlement.

- Maintain accurate client records and follow established procedures.

COMPLIANCE AND SYSTEMS

You understand the importance of:

- Responsible lending obligations.

- Best Interests Duty.

- Australian privacy and client-verification requirements.

- Accurate record-keeping and document management.

- Escalating lending recommendations and compliance matters to the authorised Australian broker.

You are also comfortable using CRM systems, document-management software, electronic-signature platforms and Microsoft Office.

QUALIFICATIONS AND EXPERIENCE

We are open to candidates at either junior or intermediate level.

To succeed in this position, you will ideally have:

- A university degree in accounting, finance, banking, business or a related discipline.

- Relevant experience in mortgage broking, banking, lending, loan processing, accounting or financial services.

- A sound understanding of financial statements, income, assets, liabilities and cash flow.

- Strong numerical and analytical skills.

- Excellent attention to detail.

- Good written and spoken English.

- Strong communication and relationship-building skills.

- Effective time-management and organisational skills.

- The ability to manage multiple loan applications, accounting assignments and deadlines.

- Professionalism, integrity and accountability.

- A positive attitude and willingness to learn.

- The confidence to raise questions when information appears incomplete or inconsistent.

- A genuine interest in building a long-term career supporting the Australian mortgage-broking industry.

Previous experience in Australian mortgage broking, loan processing or public-practice accounting will be highly regarded.

Experience using Xero, MYOB or similar accounting software would be advantageous.

An Australian Certificate IV in Finance and Mortgage Broking is not required at commencement. Relevant mortgage-broking training may be supported as part of your future professional development.

ABOUT YOU

You are organised, analytical and client-focused, with a commitment to producing accurate and high-quality work.

You enjoy reviewing financial information, solving problems and helping loan applications progress successfully. You can follow established procedures, exercise sound judgment and escalate issues when required.

You want mortgage broking to be your primary area of professional development while remaining willing and able to undertake Australian accounting work when required.

Quyền lợi

• Thưởng: Guaranteed 13th-month salary.
  Annual salary review.
  Annual performance bonus based on individual and company performance.
• Nghỉ phép có lương: 15 days of annual leave and 5 days of paid sick leave per annum.
• Đào tạo: Paid professional training and development.
  Direct training and mentoring from experienced Australian mortgage brokers and accountants.