Highly Skilled Mortgage Analyst Position Available

3 days ago


Kollam, Kerala, India beBeeMortgageUnderwriter Full time ₹ 8,00,000 - ₹ 15,50,000
Job Title: Mortgage Underwriter

The successful candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines and regulatory requirements.

  • Conduct thorough analysis of customer financial positions, employment history, credit history and ability to repay.
  • Apply the 4 Cs of Credit effectively in loan assessment.
  • Ensure adherence to regulatory and company guidelines.
  • Assess credit risk and make informed decisions on loan approval or declination.
  • Apply lending/credit policy, mortgage insurance guidelines and risk assessment principles in loan evaluation.
  • Communicate effectively with external stakeholders including brokers/lenders.

Key Responsibilities:

  • Loan Application Assessment and Evaluation
  • Creditworthiness Analysis
  • Income Verification and Risk Analysis
  • Property Valuation Review and Loan-to-Value Ratio (LVR) Assessment
  • Approval or Declination of Loans and Fraud Detection

Required Skills & Qualifications:

  • Knowledge of Responsible Lending Obligations and Regulatory Compliance
  • Understanding of APRA and ASIC Regulations
  • Strong Analytical and Financial Assessment Skills
  • Excellent Attention to Detail and Time Management
  • Effective Communication and Stakeholder Management Skills
  • Experience with Lending Policies and Procedures
  • Experience with KYC Process


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