2.0 - 6.0 years

0 Lacs

karnataka

On-site

If you are looking for an exciting opportunity, consider joining us at the Walk-in Drive being conducted by HCL for Associate / Senior Executive roles in Bengaluru (Karle). The Walk-in Drive will be held at HCL TECH, Bengaluru (Karle) on Friday, 25th July & Saturday, 26th July between 11:00 AM to 2:00 PM. The job opportunity is for Associate / Senior Executive positions based in Bengaluru (Karle) with a shift timing of 7:00 AM to 5:00 PM (IST) in the Domain of Australian Mortgage Underwriting. This position follows a Work from Office (WFO) work model. As an ideal candidate for this role, you will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. Your duties will include reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies. Your key responsibilities will include understanding and applying the 4 Cs of Credit effectively, ensuring compliance with regulatory and company guidelines, assessing credit risk, determining loan approval/decline decisions, and applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles. Additionally, you will be communicating with external stakeholders, including Brokers/Lenders, and demonstrating strong customer-centric communication skills. Core responsibilities for this role will involve Loan Application Assessment, Creditworthiness Evaluation, Income Verification, Risk Analysis, Property Valuation Review, Reviewing Loan-to-Value Ratio (LVR), Approval or Declination of Loans, and Fraud Detection. To excel in this position, you should possess knowledge of Responsible Lending Obligations, understanding of APRA and ASIC regulations, strong analytical and financial assessment skills, excellent attention to detail and time management, effective communication & stakeholder management skills, experience with lending policies & procedures, and experience with the KYC process. Candidates applying for this role should have a Bachelor's or Master's degree in any field and a minimum of 2 years of experience in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains. A strong understanding of Australian, US, or UK lending regulations is a must-have, while candidates with strong communication experience with onshore clients will have an added advantage.,

Posted 1 day ago

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