Senior Mortgage Credit Specialist

3 days ago


Dindigul Kovilpatti Kanchipuram, India beBeeCreditSpecialist Full time ₹ 5,00,000 - ₹ 20,00,000

**Mortgage Loan Specialist Role Overview**:

  • We are seeking a highly skilled Mortgage Loan Specialist to join our team.

As a Mortgage Loan Specialist, you will play a crucial role in ensuring the smooth origination and processing of mortgage loans. Your primary responsibilities will include:

Key Responsibilities:
  • Loan Application Processing:
    • Review and assess mortgage loan applications to determine eligibility based on financial status, credit history, and property details.
    • Evaluate completeness of documents required for loan processing and disbursement.
  • Credit Assessment & Risk Analysis:
    • Conduct comprehensive credit evaluations for mortgage applicants, including income, debt levels, credit scores, and loan repayment capacity assessments.
    • Utilize risk analysis tools and credit models to evaluate potential risks and profitability of loans.
  • Loan Approval/Rejection:
    • Recommend approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies.
    • Communicate decisions clearly to clients and provide explanations for approval or denial.
  • Mortgage Loan Structuring:
    • Propose suitable loan terms, interest rates, and repayment structures tailored to customers' financial profiles and organizational guidelines.
  • Customer Interaction:
    • Assist customers with mortgage-related queries, providing information on loan products, eligibility criteria, interest rates, and repayment plans.
    • Guide clients through the mortgage process and keep them informed about loan application status.
  • Compliance & Regulatory Adherence:
    • Ensure all mortgage loan applications comply with internal policies, regulatory requirements, and industry standards.
    • Stay up-to-date with the latest regulatory changes and implement necessary adjustments.
  • Collaboration with Sales & Operations:
    • Work closely with sales and customer relationship teams to ensure smooth loan origination and processing.
    • Support sales teams in explaining credit policies and loan terms to prospective borrowers.
  • Portfolio Management:
    • Monitor mortgage loan portfolio performance, tracking payment delinquencies and defaults.
    • Recommend corrective actions or adjustments for non-performing loans.
  • Reporting & Documentation:
    • Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review.
    • Maintain accurate records for all mortgage transactions.
  • Customer Service:
    • Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.


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