Outsourced credit writing for New Zealand mortgage advisers. Send the client file, get back a lender-ready submission — File Assessment, diary note and client document emails — written to lender standard.
You sat with the client. You know the deal. You know what the bank needs to see.
The hard part isn't the strategy — it's the three hours after dinner spent writing it up. The half-written submission sitting in your drafts since last week. The workflow that hasn't quite caught up with how busy you've become.
St James Financial takes that work off your plate. Send the file, get back the credit-writing work — File Assessment, diary note and client document emails, to lender standard — so the write-up isn't waiting for you after dinner.
I draft. You sign off. The file goes in the same day.
You send the file. I return the credit-writing work — to lender standard, ready for your review and sign-off.
Send the client summary and the supporting documents. I generate the File Assessment, the diary note and the client document-request email — all written to lender standard, ready for your sign-off.
Lender policy expertise and document labelling are built into the service. Every output is yours to edit further — I draft, you sign off.
No onboarding, no platform to learn. Send the file, review what comes back.
Email the client summary and the supporting documents — bank statements, payslips, IDs. PDFs, images, spreadsheets, Word docs — all fine.
I run the file through the credit-writing pipeline — File Assessment, diary note, client email — all written to lender standard. Typical turnaround: same business day for standard files.
Read it over, tweak anything you'd word differently, and lodge. You stay in control — I draft, you sign off.
Real NZ credit-writing craft — the standards, lender knowledge and judgement an experienced credit writer brings to the work.
Documents written the way credit assessors want to read them — clean narrative, clear servicing, no ambiguity.
Client documents are processed to generate the output, then deleted. No database, no archive, no client data kept beyond the engagement.
The write-up that used to eat three hours after dinner now comes back the same day. Evenings and weekends for clients, family, or building the practice.
Credit-writing services — done by a credit writer, to lender standard.
St James Financial is taking on credit-writing engagements now. Get in touch and I'll scope the work, agree the fee, and turn around your first file fast.
Email is the best way to reach me. I'll reply within one working day — scope the work, confirm pricing, and tell you exactly what to send for the first file.
Files that come in before noon NZST on a business day are typically returned the same day. Larger or more complex files (multi-applicant, full company financials, multi-lender comparison) usually within 24–48 hours.
If you prefer a phone call to walk through how the service works before sending anything — that's available on request too.
