Loan Application Packaging & File Processing.

Our loan processors review incoming client fact finds, audit 90-day bank statements via CashDeck or BankStatements.com.au, extract liabilities and ongoing commitments, calculate usable income (including overtime, bonus, and rental income shading), run lender serviceability calculators, and compile draft preliminary assessments.

• ✓ 90-day bank transaction categorization and reconciliation against HEM thresholds.
• ✓ Income calculations covering PAYG, base wages, allowances, and self-employed financial statements.
• ✓ Running borrowing capacity spreadsheets across lender panels and Quickli.
• ✓ Compiling compliance draft packs: Credit Guide, Quote, and Preliminary Assessment.

Our senior credit processors analyze Australian company, trust, and sole-trader financial statements and Individual Tax Returns (ITRs). We extract add-backs (depreciation, non-recurring expenses, extra super contributions, interest deductions) according to specific lender credit policies.

• ✓ Detailed financial statement and Notice of Assessment (NOA) analysis.
• ✓ Lender-specific add-back schedules compiled for broker review.
• ✓ Calculating 1-year vs 2-year profit averaging based on target lender guidelines.

Before the loan package is handed back to the broker, a Senior Loan Processing Lead conducts an independent review of all serviceability calculations, living expense categorizations, and compliance notes to ensure zero discrepancies prior to ApplyOnline entry.

• ✓ Mandatory checklist audit by Senior Loan Lead.
• ✓ Verification that net disposable income (NDI) and debt-to-income (DTI) metrics match lender policy.
• ✓ Minimizing lender queries and rework loops driving RFI rates below 5%.

MCR Associates operates strictly as an administrative loan packaging provider. We do not provide credit assistance under section 8 of the National Consumer Credit Protection Act 2009 (Cth) or suggest credit contracts under section 115. The licensed Australian mortgage broker retains 100% advisory, supervisory, and Best Interests Duty (BID) sign-off authority.

• ✓ Strict negative boundary: pure clerical compilation and data extraction.
• ✓ Zero consumer-facing advice, credit assessments, or lender product recommendations.
• ✓ All files delivered directly to the broker for statutory sign-off.

An engagement begins by defining the work scope, the client-controlled software environment, access requirements, turnaround expectations and review process. A paid pilot can be used before moving to recurring capacity.

• ✓ The scope is matched to the relevant MCR Associates service desk and its published commercial model.
• ✓ The client provides or approves the operating procedures, templates and escalation path for the work.
• ✓ The client retains control over the pace and scale of the engagement.

No. MCR Associates is designed to work in the client’s existing approved software, cloud environment or virtual desktop workflow. The exact tools supported depend on the service being engaged.

• ✓ The client controls user access, permissions and multi-factor authentication.
• ✓ Work is completed within the client’s approved templates and operating process.
• ✓ The client retains ownership of its software licences, records and administrative settings.

MCR Associates’s operating model is based on client-controlled cloud software or virtual desktop access and a Zero Local Storage policy. Specific access controls are agreed with the client as part of onboarding.

• ✓ The client determines the access level required for the assigned work.
• ✓ MFA, restricted permissions and client-approved environments can be used where available.
• ✓ Confidentiality and data-handling requirements are established before operational work begins.

The client retains responsibility for final review, approvals and any regulated or client-facing decisions. MCR Associates provides operational preparation and support within the agreed scope.

• ✓ The relevant Australian licensed, registered or authorised client representative retains statutory responsibility where applicable.
• ✓ Review checkpoints and escalation paths are agreed for the client’s workflow.
• ✓ MCR Associates does not replace the client’s required principal, practitioner or decision-maker.

Yes. A defined pilot or tightly scoped initial workflow can be used to evaluate operational fit, communication, quality review and turnaround before a broader capacity arrangement is considered.

• ✓ The initial scope should identify the work type, required access and completion criteria.
• ✓ The appropriate service desk and commercial model are selected according to the work required.
• ✓ A successful pilot can be expanded only when the client is comfortable doing so.

MCR Associates operates as a B2B back-office support partner. Client-facing communication, regulated advice, decisions and relationship ownership remain with the client business unless a separate, approved scope explicitly provides otherwise.

• ✓ Work is performed according to the client’s operational boundaries and approved procedures.
• ✓ The client nominates the appropriate supervisor or escalation contact.
• ✓ Confidentiality and non-solicitation commitments can be addressed within engagement terms.