Residential Mortgage Underwriting Specialist

3 days ago


Chennai, Tamil Nadu, India HCLTech Full time
Job Summary

This role is centered around the Residential Mortgage Underwriting process, involving a comprehensive analysis of loan parameters and borrower details related to income, credit, and assets. The successful candidate will render decisions on credit applications based on established criteria.

Key Responsibilities
  • Evaluate and verify applications to determine the borrower's ability to repay the loan through detailed income verification.
  • Verify income and employment information.
  • Review credit history, including bankruptcy, fraud alerts, bank discharge, delinquency, and foreclosures.
  • Calculate the value of the borrower's collateral and assets.
  • Ensure that property specifications and loan terms meet Bank requirements and government regulations.
Requirements
  • Bachelor's degree in any discipline, preferably B. Com/BBA/MBA.
  • 3 to 5 years of overall banking experience with a minimum of 1 to 2 years' experience in residential mortgage underwriting for conventional/FHA/VA loans.
  • Willingness to work in night shifts is mandatory.
What We Offer

As a valued employee at HCLTech, you can expect:

  • MNC benefits.
  • Cab facility (up to 30 Kms only).
  • Competitive salary: ₹10-15 lakhs per annum.
  • Excellent working environment.
  • Free cab for female employees.
  • International trainers.
  • World-class exposure.
About Us

HCLTech is one of the fastest-growing large tech companies worldwide, with offices in over 60 countries and 222,000 employees from diverse backgrounds. Our company offers a virtual-first work environment, promoting flexibility and real integration between work and life.



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