Mortgage Credit Specialist

2 days ago

Nagercoil Chennai Erode, India beBeeMortgageCreditSpecialist Full time ₹ 8,00,000 - ₹ 12,00,000
Job Summary

We are seeking a Mortgage Credit Specialist to join our team.

About the Role
  • Loan Application Processing:
  • Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details.
  • Evaluate completeness of documents required for loan processing and disbursement.
  • Credit Assessment & Risk Analysis:
  • Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity.
  • Analyze various risk analysis tools and credit models to evaluate the potential risk and profitability of loans.
  • Loan Approval/Rejection:
  • Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with regulatory requirements.
  • Communicate decisions clearly to clients and work with them to explain the reasons for approval or denial.
  • Mortgage Loan Structuring:
  • Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and industry guidelines.
  • Customer Interaction:
  • Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans.
  • Guide clients through the mortgage process and provide updates on the status of their loan applications.
  • Compliance & Regulatory Adherence:
  • Ensure all mortgage loan applications comply with regulatory requirements, internal policies, and industry standards.
  • Stay updated with the latest regulatory changes and implement them as necessary.
  • Collaboration with Sales & Operations:
  • Work closely with sales and customer relationship teams to ensure smooth loan origination and processing.
  • Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers.
  • Portfolio Management:
  • Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults.
  • Recommend corrective actions or adjustments for any non-performing loans.
  • Reporting & Documentation:
  • Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review.
  • Maintain accurate and up-to-date records for all mortgage transactions.
  • Customer Service:
  • Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.
Requirements
  • Bachelor's degree in Finance, Economics, or related field.
  • Minimum 2 years of experience in mortgage lending or related field.
  • Strong analytical and problem-solving skills.
  • Excellent communication and interpersonal skills.
  • Ability to work in a fast-paced environment.
  • Knowledge of mortgage regulations and industry standards.
What We Offer
  • A competitive salary and benefits package.
  • The opportunity to work in a dynamic and growing organization.
  • Professional development and training opportunities.
  • A collaborative and supportive work environment.

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