Senior Mortgage Risk Assessor

4 days ago

Hubli, Karnataka, India beBeeHomeLoanUnderwriter Full time ₹ 13,03,000 - ₹ 17,54,000
Home Loan Underwriter Role

We are seeking experienced professionals to fill the position of Home Loan Underwriter. The successful candidate will be responsible for assessing home loan applications, ensuring high-quality credit decisions, and working collaboratively with stakeholders.

Key Responsibilities:

  • Assessing home loan applications based on credit policy and guidelines.
  • Verifying income, performing credit checks, property valuation reviews, and responsible lending assessments.
  • Liaising with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Providing timely and high-quality credit decisions while meeting SLA and compliance standards.
  • Maintaining adherence to regulatory requirements such as NCCP (National Consumer Credit Protection Act) and AML.
  • Mentoring junior underwriters and supporting process improvements.
  • Preparing reports on pipeline, SLAs, and quality metrics.

Requirements:

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

Preferred Skills:

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

Benefits:

This role offers an opportunity to grow your career in a dynamic and challenging environment.

Job Type: Full-time

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