Senior Mortgage Risk Manager

2 days ago


Gandhinagar, Gujarat, India beBeeCreditEvaluator Full time ₹ 60,00,000 - ₹ 1,20,00,000

Job Opportunity

We are seeking a professional to fill an Associate / Senior Executive role in Mortgage Underwriting.

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.

Responsibilities
  • Conducting thorough financial analyses of customers' positions, employment history, credit history, and ability to repay.
  • Applying effective lending/credit policy principles, mortgage insurance guidelines, and risk assessment techniques.
  • Ensuring compliance with regulatory and company guidelines.
  • Assessing credit risk and making informed loan approval/decline decisions.
  • Communicating effectively with external stakeholders, including brokers/lenders.
Core Responsibilities
  • Loan Application Assessment
  • Creditworthiness Evaluation
  • Income Verification
  • Risk Analysis
  • Property Valuation Review
  • Reviewing Loan-to-Value Ratio (LVR)
  • Approval or Declination of Loans
  • Fraud Detection

Skill Requirements:

  • 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


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