HCLTech | Walkin Interview for UK Mortgages

22 hours ago


india HCLTech Full time

HCL Tech - Hiring for UK Mortgages - 16 to 18th Dec


Designation: Analyst & Senior Analyst

Experience: 3 to 5 Years

Educational Qualification: Graduate in any stream

Shift: UK/ Rotational Shift (MUST BE COMFORTABLE WITH ROTATIONAL SHIFT)

Mode of interview: Walkin

Date: 16 to 18th Dec-24

Timing: 12:30 AM to 3:00 PM

Contact HR: Deepthi

Work Location: Navallur


Interview Location: HCL Technologies Ltd. ETA 1- Techno Park, Special Economic Zone, 33, Rajiv Gandhi Salai, Navallur Village and Panchayat, Thiruporur Panchayat Union, Navallur, Tamil Nadu 603103


Functional Competencies:


Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards.

Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain

  • In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements
  • Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review)
  • Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant
  • Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan
  • Review loan files for completeness and accuracy
  • Confirm application information against all documents within the file
  • Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
  • Should have experience in Income Calculations
  • Review the eligibility of Property, Borrowers
  • Evaluate debt ratio, loan-to-value ratios, credit score, property valuation
  • Identify risk factors, including fraud red flags to determine or verify misrepresentation
  • Condition files for missing/ supporting documentation as needed
  • Complete required trainings and assessments
  • Knowledge in Commercial Real Estate will be an added advantage
  • High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation
  • Ability to build & motivate teams
  • Ability to manage Client escalations and Client relationships
  • Team mentoring & coaching individual associates who may fall below desired performance
  • Continuously contribute towards process improvement
  • Hold relevant experience



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