Walk- in Drive For Mortgage Underwriter

4 days ago

Chennai, Tamil Nadu, India HCLTech Full time

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

HCL is hiring for Associate / Senior Executive roles, and we are conducting a Walk-in Drive in Sholinganallur.

Walk-in Drive Details:

Location: HCL TECH- Sholinganallur, (Address: Elcot SEZ, Medavakkam High Road, Solinganallur, Chennai, Tamil Nadu )

Date: Thursday, 04 September & Friday, 05 September

Time: 11:00 AM 3:00 PM

Contact HR SPOC Dharani

Job Opportunity: Associate / Senior Executive

Location: Chennai - Sholinganallur

Shift Timing: 7:00 AM 5:00 PM (IST)

Domain: Australian Mortgage Underwriting

Work Model: Work from Office (WFO)

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.

Understanding and applying the 4 Cs of Credit effectively.

Ensuring compliance with regulatory and company guidelines .

Assessing credit risk and determining loan approval/decline decisions.

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

Communicating with external stakeholders, including Brokers/Lenders .

Demonstrating strong customer-centric communication skills .

Core Responsibilities:

Loan Applition 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:

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

Experience with KYC process

Qualification & Experience:

Education: Bachelor's or Master's degree in any field.

Experience: 2+ years in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains .

Must-have: Strong understanding of Australian, US, or UK lending regulations .

Added Advantage: Candidates with strong communication experience with onshore clients will have an edge.

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