Commercial Finance Broker Job, Sydney

Everything commercial. One week it is a $50k equipment loan for a workshop, the next it is a $10M development facility, and in between there is a clinic purchase, a business acquisition and a refinance out of a lender the client has outgrown.

• Commercial property finance: owner-occupier purchases, investment property, mixed use, and self-managed super fund structures;
• Business lending: acquisitions, growth capital, partner buy-ins, overdrafts and working capital;
• Construction and development finance: owner-occupier builds, fitouts, land, townhouses and apartment projects;
• Equipment and asset finance: vehicles, plant and practice equipment, secured against the asset;
• Urgent and bridging finance: settling to a deadline, or bridging between a sale and a purchase;
• Commercial refinancing: repricing, cash out, and consolidating a client's commercial debt into one place.

At least three years writing commercial deals, not only residential, as a commercial finance broker or in a commercial BDM role, with credit and loan writing experience. Ideally you are already accredited with lenders. You have written commercial deals yourself, you know how a credit team reads a file, and you have had a valuation come in short and still found a way to settle.

This is not a seat where you learn commercial from the ground up. The training carries on from where you are, on structure, lender appetite and the parts of the market you have not touched yet.

This is a mid-level role. You have enough commercial deals behind you to run a file on your own, and you are open to coaching and to learning a new way of working. Being coachable and willing to work our process matters a lot to us. We supply the leads, so you do not need to bring a book of your own.

• A hunter. You go after the deal. You see a lead and you are on the phone to it, and you would rather chase a hard deal than wait for an easy one;
• Driven to get it done. A deal is not finished at approval. You push it through valuation, conditions and documents to settlement, and you keep it moving when it stalls;
• Fast-paced. Several live deals at once is a normal week. You triage your own work, decide what moves today, and Nick checks in on you without micromanaging you;
• Hungry. You want to earn, the leads are there to do it, and you are willing to put the hours in;
• Pride in the work. The file is tidy, the client knows where things stand, the numbers are right. You want the best outcome for the borrower rather than the quickest one to settle;
• Coachable. You take feedback on how a deal was run and use it on the next one, and you are willing to work our process from first call to settlement;
• Ego in check. Confidence closes deals and you should be proud of what you write. Alongside it, we look for someone who can put their hand up when something goes wrong and take a piece of feedback well. Everyone here has had a deal fall over. You own it, you learn from it, and you get better.

Commission only, with on-target earnings (OTE) of $200k+. Every broker at Ardent is commission only, including the ones who have been here longest. There is no base salary and there is no ceiling on what you can write.

You would operate under the Ardent Capital Group banner with your own ABN. The brand, the leads, the systems and the licence you write under are Ardent's. The ABN is yours.

We have had brokers earn more than $150,000 + trail in their first year with us. It is not a guarantee and we will not dress it up as one. What you earn tracks what you write, and with deal sizes up to $10M+ coming through, a hunter has plenty to write.

We are direct about this up front because you should decide it before anything else. If you want a salary that arrives whether or not the month went well, take a role somewhere that offers one.

• High-quality leads, consistently. We supply the leads, so you do not need a book of your own and you are not starting from a cold list. Qualified enquiries come in consistently, with deal sizes from $50k to $10M+, and they get distributed to the team. Anything you bring in yourself is yours as well;
• Ongoing training. Structure, lender appetite, and how to present a deal so a credit team can say yes to it;
• The infrastructure. CRM, aggregation, compliance, marketing and the systems behind them, so you spend your day writing loans instead of chasing admin;
• Professional indemnity insurance, covered by us;
• Work from home three to four days a week, with trust and freedom to run your own diary. Nobody monitors your calendar or counts your hours.

No tertiary qualification is required for this role. We have never found a resume that reliably predicted how someone would perform, and a degree is not a signal we weight.

You will need the Cert IV and Diploma in Finance and Mortgage Broking to write loans under our licence. That is the only box.

What we actually want to know is who you are. What you have had to get through. Where the grit came from. Why you do this work rather than something else.

We are a small team and we genuinely like being around each other, which is why the office days sit together on a Wednesday and Thursday rather than scattered across the week.

Mutual respect is the base of it. Everyone here is capable and nobody needs to be told twice. Honest and sincere outcomes for clients, always. We say no to deals that are not right, we tell a borrower to wait when waiting is the better move, and we do not push a product to hit a number.

We are serious and professional about the work, but we do not take ourselves too seriously. It is a funny team. There are running jokes most weeks and a fair bit of nonsense in between the calls. You are also welcome to have a drink or two with the team, but it's not expected.

We celebrate wins properly. A deal that took eight months to get over the line deserves more than a message in a group chat, and the person who wrote it should hear about it from everyone.

Constant improvement runs alongside all of that. Feedback goes in every direction and nobody sits above it. Mistakes get owned, reflected upon, learned from, and left behind.

Apply through the form on this page. It is the only way we accept applications.

The process from there is a phone call, then a coffee or a video call with Nick.

We read every application ourselves. If you are currently with another brokerage or a lender, the conversation stays between us.

We may get an overwhelming number of applications, so please be patient. If we do not get back to you, do not take it personally. It's because we are incredibly busy.