Sr. Representative, Operations

Concentrix is a technology-enabled global business services company specializing in customer engagement and improving business performance. We partner with ambitious, progressive executives around the world to future-proof their business and stay ahead of the competition and customer expectations.

Your key priorities and responsibilities include and not limited to:

• Meet or exceed quality assurance standards
• Underwriting of home/mortgage Loan Credit Assessment - high level of judgement, in assessing applicants credit worthiness.
• Loan Construction and investigation
• Apply lending/credit policy, product and Mortgage Insurance guidelines, and a high level of judgement, in assessing applicants credit worthiness. Adhere to Group/Australian Credit Policy and Code of Banking Practice with the objective of maximizing revenue and minimizing risk
• Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated
• Ensure all research and investigation is accurately recorded including supporting evidence and documentation.
• External stake holder communication via calls, emails and chat
• Exercise thorough credit worthiness assessment and sound decision-making
• Change management and delivery of desired strategic outcome.
• Ensure the process is followed to meet audit and risk compliance
• Achieves progression to appropriate skill levels within agreed timeframes
• Build and collaborate with colleagues to enable objectives to be met
• Prior experience of 1year on the above

Personal Attributes/Competencies:

• Adaptability – Prerequisite
• Customer Focus – Prerequisite
• Communication - Demonstrated Competence
• Drive to Achieve - Prerequisite
• Creative Problem solving - Demonstrated Competence
• Teamwork & Collaboration – Demonstrated Competence
• Integrity/Trustworthiness - Demonstrated Competence.
• Willingness to work shifts as necessary.
• Judgment and Decision Making - Demonstrated Competence
• Achievement - Demonstrated Competence

Functional Skills for Credit assessment.

• Knowledge on self-employed & Business self-employed checks
• Analyze financial data related to loan requests.
• Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
• Record loan denials and specific basis for declining application.
• Monitor and report non-compliance with loan covenants.
• Assist with technical/core underwriting issues and questions.
• Review loan documentation and vendor reports to identify signs of fraudulent activity.
• Adapting underwriting policies and procedures.
• Appraisal report, Assets verification, Identification of large deposit, Purchase contract
• Hazard Insurance, Flood insurance if applicable, Title report, Tax certificate, Tax transcript.
• Hands on experience of balance sheet, profit & loss statements, Income tax returns.
• Hands on experience on Income, Expense, Liabilities check, social security income
• Strong focus on quality and commercial acumen
• Decisive, commercially prudent, effectively decision risk and reward
• Excellent domain knowledge in Mortgage underwriting/end to end mortgage life cycle/ any one or two Banking domain
• Evaluate loan documents to ensure accuracy and completeness.

Disclaimer:-

'Neither Concentrix nor any authorized 3rd party who assist with our recruitment process, ever ask candidates for ‘recruitment’, ‘processing’ or any other kind of fees in exchange for offer letters from Concentrix. Offer letters and other recruiting correspondence from Concentrix are printed on Concentrix letter head with authentic signatures of appropriate Concentrix authorities.'