Senior Mortgage Underwriter

3 days ago

Kozhikode, Kerala, India beBeeUnderwriter Full time ₹ 8,71,938 - ₹ 10,74,898

About the Role:

We are seeking skilled professionals with a strong background in mortgage underwriting to join our team. The ideal candidate will be responsible for evaluating home loan applications, ensuring compliance with Australian credit policies, and working collaboratively with stakeholders.

Key Responsibilities:

  • Evaluate and assess home loan/mortgage applications based on Australian credit policy and guidelines.
  • Conduct income verification, credit checks, property valuation reviews, and responsible lending assessments.
  • Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Provide timely and high-quality decisions while meeting SLA and compliance standards.
  • Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
  • Mentor and guide junior underwriters, and support process improvements.
  • Prepare daily/weekly 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.
  • Exposure to 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.

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