Services for mortgage & finance brokers
I plug in as your senior credit resource — handling detailed risk assessment and structuring work so you can focus on growth and clients.
Comprehensive file packaging
I take your deals from enquiry to fully-packaged submission.
- File triage & lender/product shortlist
- Servicing & capacity modelling (incl. self-employed, trusts, multi-entities)
- Risk review & scenario structuring (Plan A/B/C)
- Credit memo & submission notes aligned with panel lender standards
Self-employed, trusts & asset-finance
When the deal gets tricky, you have someone ready.
- Self-employed income scenarios and multi-entity structures
- Trusts, companies, shareholder loans, inter-entity funding
- Commercial & business-purpose lending with resi/commercial security
- Asset & equipment finance structures
Submission support, follow-ups & re-works
Keep your pipeline clean and moving.
- Document collection & verification checklists
- Responding to lender credit comments & conditions
- Re-submissions, product switches & variations
- Freeing you to focus on origination not credit admin
How it works
Engagement is simple, flexible and low-risk. You test the relationship on one file and scale from there.
Our engagement process
15-minute discovery
We talk about your aggregator, lender panels, internal processes and portfolio growth goals.
Pilot file
You send one live or recently-declined file. I triage, structure and prepare full notes under your templates & brand.
Ongoing support
We agree a simple model (per-file, retainer or hybrid), and I embed as your senior credit resource.
Working with your team
- White-label: All work done under your brand; you remain client-facing.
- System-agnostic: Comfortable with major aggregators, lender portals & CRM workflows.
- Transparent and aligned: You retain recommendation & compliance responsibilities; I support risk, structure & submissions.
- Australian-based senior credit: Local policy, NCCP and lender submission culture expertise.
About [Your Name]
Senior credit professional turned broker-support specialist.
My background
I’m [Your Name], with over 20 years in credit assessment, structuring and lender submission roles in banking, corporate and asset finance. I've assessed self-employed borrowers, multi-entity structures, equipment and commercial finance, and now bring that to broking.
I founded CreditRiskExpert to give brokers access to senior credit-desk level support — without the cost of a full-time hire.
What you benefit from
- A senior, strategic credit brain in your corner.
- Better-quality submissions, fewer lender hits and faster turnarounds.
- More confidence to say “yes” to complex deals rather than avoid them.
- A true partner — not just a support admin.
Typical files I support
From standard residential to complex commercial, I help brokers scale credit-capability.
Residential
- Purchase & refinance (owner-occupier & investment)
- PAYG + self-employed hybrid income scenarios
- Debt consolidation, equity release & guarantor loans
- Multi-security and mixed-purpose lending
Commercial, asset & SME
- Self-employed businesses and trust/company structures
- Commercial property & business-purpose loans secured by residential/commercial
- Equipment & asset finance structuring
- Multi-entity holdings, shareholder loans, trusts
Growth support for brokers
- Lift your capacity: I handle the credit-desk work so you prospect more.
- Reduce submission reject rate by presenting higher-quality files.
- Faster turnarounds, cleaner pipelines & fewer reworks.
Frequently asked questions
Do you work under my brand?
Yes. All work is done under your logo/templates and process. You remain client-facing and responsible for the recommendation; I support the credit/risk side.
How do you charge?
Flexibility is key — we can work on a per-file fee (tiered by complexity), a monthly retainer or a hybrid model. We’ll choose what fits your volume and budget.
What about compliance & NCCP?
You stay the authorised broker / credit representative. I assist with analysis, structuring, calculations and documentation. Final product choice and compliance remains with you.
Can you help train my team or build credit tools?
Absolutely. I can help your junior brokers or support staff with checklists, calculators, pricing sheets and filing standards — boosting your whole team’s capability.
Ready to test a live file?
Send your current scenario and I’ll triage, structure and draft full notes so you see exactly how I work — before any long-term commitment.