Mortgage Credit Analyst

3 days ago

Kota, Rajasthan, India beBeeRisk Full time ₹ 2,00,00,000 - ₹ 2,50,00,000
Loan Risk Assessor Position

We are seeking an experienced professional to assess and evaluate home loan applications in line with Australian credit policies, ensuring high-quality financial decisions and working collaboratively across geographies.

The ideal candidate will be responsible for assessing home loan/mortgage applications based on Australian credit policy and guidelines. They will verify income, conduct credit checks, review property valuations, and perform responsible lending assessments. Additionally, they will liaise with stakeholders for clarifications or documentation gaps and provide timely and high-quality credit decisions while meeting SLA and compliance standards.

Key Responsibilities:
  • Assess and decide on home loan/mortgage applications based on Australian credit policy and guidelines.
  • Verify income, conduct credit checks, review property valuations, and perform responsible lending assessments.
  • Liaise with stakeholders for clarifications or documentation gaps.
  • Provide timely and high-quality credit decisions while meeting SLA and compliance standards.
Requirements:
  • Graduate/Postgraduate degree in Finance, Commerce, or a related field.
  • Minimum 5 years of mortgage underwriting experience, with at least 2–3 years in the Australian home loan domain.
  • Strong understanding of Australian credit policies, responsible lending guidelines, and loan origination systems.
  • Exposure to multiple lenders is a plus.
  • Excellent analytical, communication, and documentation skills.
  • 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.
Benefits:

This role offers the opportunity to work in a dynamic environment and contribute to the success of our organization.

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