Australian Home Loan Specialist

5 days ago


Thāne, Maharashtra, India beBeeCredit Full time ₹ 15,00,000 - ₹ 21,30,000
Senior Credit Specialist Role

We are seeking an experienced Senior Credit Specialist to join our team. This role involves assessing home loan applications in line with Australian credit policies, ensuring high-quality credit decisions, and collaborating with stakeholders across geographies.

Key Responsibilities:
  • Conduct end-to-end assessments 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 brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Provide timely and high-quality credit decisions while meeting Service Level Agreements (SLAs) and compliance standards.
  • E nsure adherence to the National Consumer Credit Protection Act, Anti-Money Laundering regulations, and other relevant requirements.
  • Mentor junior underwriters, support process improvements, and prepare daily/weekly reports on pipeline, SLAs, and quality metrics.
Requirements:
  • Bachelor's/Master's degree in Finance, Commerce, or a related field.
  • A minimum of 5 years' experience in mortgage underwriting, 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.
  • Familiarity with 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.
  • S 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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