Senior Loan Audit Specialist

4 days ago

Allahabad, Uttar Pradesh, India beBeeLoanAuditor Full time ₹ 18,00,000 - ₹ 30,00,000
Job Opportunity: Loan Auditor

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

This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies.

  • Analyzing customer financial positions, employment history, credit history, and ability to repay.
  • Understanding and applying the 4 Cs 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.

Key Responsibilities:

  • Conduct audits on mortgage underwriting cases
  • Evaluate adherence to Australian credit policies and lender guidelines based on SOP
  • Identify errors and trends in processing
  • Provide constructive feedback to underwriters based on audit findings
  • Conduct one-on-one coaching sessions to address performance gaps
  • Escalate potential risks or non-compliance issues to the TL.
  • Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
  • Maintain audit documentation and RCA log.
  • Prepare daily/weekly audit reports
  • Track individual and team quality scores

Requirements:

  • Graduate/Postgraduate in Finance, Commerce, or a related field.
  • 2+ years of experience in mortgage operations, with at least 1+ year in a quality assurance role
  • Strong attention to detail and analytical skills, communication skills
  • Good knowledge of MS-excel skills (Analysis of data and reporting dashboards).
  • 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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