Senior Mortgage Underwriter Wanted for Loan Auditing Role

2 weeks ago

Surat, Gujarat, India beBeeMortgage Full time ₹ 60,00,000 - ₹ 1,20,00,000

Are you looking for a challenging opportunity? We are conducting a Walk-in Drive to fill Associate / Senior Executive roles.

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

Responsibilities:

Analyzing customer financial positions, employment history, credit history, and ability to repay.

Understanding and applying the 4Cs of Credit effectively.

Ensuring compliance with regulatory and company guidelines.

Assessing credit risk and determining loan approval/decline decisions.

Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles.

Communicating with external stakeholders, including Brokers/Lenders.

Demonstrating strong customer-centric communication skills.

(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

Experience with lending policies & procedures

Experience with KYC process

Qualification & Experience:

Education: Bachelor's or Master's degree in any field.

Experience: 2+ years in Mortgage Underwriting and Quality in Australian, USA, or UK mortgage domains.

Must-have: Strong understanding of Australian, US, or UK lending regulations.

Added Advantage: Candidates with strong communication experience with onshore clients will have an edge.

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