Australian Mortgage Underwriter

23 hours ago

Amrāvati, Maharashtra, India beBeeCredit Full time ₹ 1,50,00,000 - ₹ 2,50,00,000
Job Opportunity: Credit Manager

We are seeking an experienced credit professional to join our team as a Credit Manager. The ideal candidate will have a strong background in Australian mortgage underwriting and be responsible for assessing home loan applications in line with Australian credit policies.

  • Assessment and Decision-Making: Assess home loan/mortgage applications based on Australian credit policy and guidelines.
  • Verification and Risk Assessment: Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
  • Liaison and Communication: Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Quality and Compliance: Provide timely and high-quality credit decisions while meeting SLA and compliance standards.
  • Regulatory Knowledge: Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
  • Mentorship and Improvement: Mentor and guide junior underwriters, and support process improvements.
  • Reporting and Analytics: Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.

Requirements:

  • Educational Background: Graduate/Postgraduate in Finance, Commerce, or a related field.
  • Work Experience: Minimum 5 years of mortgage underwriting experience, with at least 2–3 years in the Australian home loan domain.
  • Credit Knowledge: Strong understanding of Australian credit policies, responsible lending guidelines, and loan origination systems.
  • Lender Exposure: Exposure to multiple lenders is a plus.
  • Skillset: Excellent analytical, communication, and documentation skills.
  • Adaptability: Ability to work in fast-paced environments and meet deadlines.

Preferred Skills:

  • Certification: Certification in mortgage lending or credit assessment.
  • Income Types: Experience with income types including PAYG, self-employed, rental, foreign income.
  • Credit Bureaus: Sound knowledge of credit bureaus like Equifax (AU).
  • Verification Tools: Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

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