Process Associate - Asset Finance

Department: Finance & Lending Reports To: Team Lead / Process Manager

Location: Mohali

Job Type: Full-Time | In-Office

Role Summary:

The Process Associate will play a critical role in supporting the end-to-end processing of finance applications for Australian clients. This includes managing enquiry handling, document preparation, submission, approval, and post-settlement activities. The ideal candidate will possess a strong understanding of finance documentation, compliance procedures, credit assessment, and professional communication standards.

Key Responsibilities

Organizational & Market Understanding

Develop a thorough understanding of the company and its operational frameworks.

Gain awareness of major Australian financial regulatory bodies: ASIC, ATO, APRA, and ACCC.

Stay informed about major Australian banks and lenders.

1. Finance Application Process Stages

Enquiry Stage

Understand different borrowing structures (e.g., Sole Trader, Company, Partnership, Trust).

Collect and organize client enquiry documents (ID proof, invoices, etc.).

Perform ABN lookups, analyse RP Data, and manage digital folders in Zoho.

2. Preparation Stage

Conduct company and individual credit checks using Equifax.

Identify all applicant parties and contribute to drafting submission notes.

Learn and adhere to lender policies; navigate various lender portals.

3. Submission & Approval Stage

Accurately enter application data into lender systems (e.g., Flexicommercial, Pepper, etc.).

Review private/dealer sale invoices and ensure they meet lender conditions.

Send and manage documents via Annexture or DocuSign.

4. Post-Settlement Stage

Manage compliance documentation and verify file completion.

Request additional documents such as amortization schedules and payout letters.

Update Zoho CRM notes and maintain daily status trackers.

5. Communication & Administrative Tasks

Label, tag, and organize email communication effectively.

Maintain clear and updated notes in Zoho CRM.

Provide regular updates on application status and generate internal reports.

Collaborate with team members and use internal knowledge bases for continuous learning.

Tools & Platforms Used

Zoho One (including Zoho CRM)

3CX (for communication)

Equifax (credit reporting)

RP Data (property and business insights)

Lender Portals (e.g., Flexicommercial, Pepper)

Annature / DocuSign (digital signatures and document exchange)

Ideal Candidate Profile

Basic understanding of finance, credit processes, or Australian financial regulations.

Proficient in digital tools and CRM systems, especially Zoho.

Strong organisational and communication skills.

Ability to work in a fast-paced, team-oriented environment with attention to detail.

Benefits:

Food provided

Health insurance Schedule:

Monday to Friday

Morning shift

Weekend availability Supplemental Pay:

Performance bonus

Yearly bonus Ability to commute/relocate:

Mohali, Punjab: Reliably commute or planning to relocate before starting work (Required)

Location: Mohali, Punjab (Required)

Work Location: In person

Schedule:

Morning shift

Education:

Bachelor's (Required)

Experience:

Process Associate - Asset Finance: 1 year (Required)