Senior Mortgage Lending Professional

1 day ago

Chennai, Tamil Nadu, India beBeeCreditManager Full time ₹ 1,50,00,000 - ₹ 2,00,00,000

Credit Manager Position Overview

Our company is seeking a seasoned Credit Manager to lead our mortgage underwriting team. The ideal candidate will have a strong background in Australian mortgage lending and be responsible for assessing home loan applications, ensuring high-quality credit decisions, and collaborating with stakeholders across geographies.

Main Responsibilities:

  • End-to-end assessment and decision-making of home loan/mortgage applications based on Australian credit policy and guidelines.
  • Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
  • Liaise with lenders, internal teams, and external parties for clarifications or documentation gaps.
  • Provide timely and high-quality credit decisions while meeting service level agreements (SLAs) and compliance standards.
  • Ensure adherence to the National Consumer Credit Protection Act (NCCP), Anti-Money Laundering (AML), and other regulatory requirements.
  • Mentor junior underwriters and support process improvements.
  • Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.

Required Qualifications:

  • Graduate/Postgraduate degree 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 working with multiple lenders (e.g., Bankwest, CBA, ANZ) 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.

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