Walk-in Interview for Mortgage Underwriter

4 days ago

Bengaluru, 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 Karle.


Walk-in Drive Details:

Location: HCL TECH, Bengaluru (Karle) (Address : SEZ hub, DadaMastan Layout, Karle Tech Park, Nagavara, 1, Veeranapalya, Karle Town, Bengaluru, Karnataka )

Date: Friday, 26 September & Saturday, 27 September

⏰ Time: 11:00 AM – 2:00 PM

Contact HR SPOC – Vignesh


Job Opportunity: Associate / Senior Executive


Location: Bengaluru- Karle Tech Park

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 C’s 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 core Mortgage 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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