Mega Walkin HCLTech Banking & Finance 12th and 13th September 2025

If you are looking for an exciting opportunity, join us at the Walk-in Drive!

hiring for Associate / Senior Executive

Walk-in Drive Details:

Location:

Date:

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Contact HR SPOC Dharani & Sanjay

Job Opportunity: Associate / Senior Executive

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Job Summary:

The ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies.

Responsibilities:

✔ Analyzing customer financial positions, employment history, credit history, and ability to repay.

4 Cs of Credit

regulatory and company guidelines

✔ Assessing credit risk and determining loan approval/decline decisions.

✔ Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles.

Brokers/Lenders

strong customer-centric communication skills

Core Responsibilities:

✔ Loan Application Assessment

✔ Creditworthiness Evaluation

✔ Income Verification

✔ Risk Analysis

✔ Property Valuation Review

✔ Reviewing Loan-to-Value Ratio (LVR)

✔ Approval or Declination of Loans

✔ Fraud Detection

Skills & Qualifications:

Responsible Lending Obligations

APRA and ASIC regulations

analytical and financial assessment

attention to detail

communication & stakeholder management

lending policies & procedures

KYC process

Qualification & Experience:

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Added Advantage:

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Job Summary:

To effectively monitor mortgage underwriting activities, typical responsibilities in Australian mortgage roles include:

• Evaluating client financials

  to determine loan eligibility.

• Recommending appropriate loan products

  based on client needs and financial profiles.

• Processing loan applications

  efficiently and accurately.

• Ensuring compliance

  with lending regulations and internal policies.

• Maintaining quality standards

  , conducting regular audits, and ensuring adherence to guidelines.

• Providing constructive feedback

  and coaching team members to enhance performance and drive continuous improvement.

Key Responsibilities:

• Conduct audits on mortgage underwriting cases
• Evaluate adherence to Australian credit policies and lender guidelines based on SOP
• Identify errors and trends in processing
• Provide constructive feedback to underwriters based on audit findings
• Conduct one-on-one coaching sessions to address performance gaps
• Escalate potential risks or non-compliance issues to the TL.
• Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
• Maintain audit documentation and RCA log.
• Prepare daily/weekly audit reports
• Track individual and team quality scores

Requirements:

• Graduate/Postgraduate in Finance, Commerce, or a related field.
• 2+ years of experience in mortgage operations, with at least 1+ year in a quality assurance role
• Strong attention to detail and analytical skills, communication skills
• Good knowledge of MS-excel skills (Analysis of data and reporting dashboards).
• Ability to work in fast-paced environments and meet deadlines.

Preferred Skills:

• Certification in mortgage lending or credit assessment.
• Experience with income types including PAYG, self-employed, rental, foreign income.
• Sound knowledge of credit bureaus like Equifax (AU).
• Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

Proficiency in tools like MS Excel and capable of doing basic root cause analysis, framing action plans, lean and Continuous Improvement) with good communication skills.