Mortgage Credit Decision Specialist

2 days ago


Bengaluru, Karnataka, India HCLTech Full time

HCLTech invites highly skilled professionals to apply for the position of Mortgage Credit Decision Specialist in Bengaluru, India.

Job Description:

The successful candidate will be responsible for reviewing and approving home loan applications in a timely manner. This includes customer onboarding, verifying key information, reviewing credit history, and confirming sufficient loan security. Additionally, they will verify adherence to established lending criteria and identify any deviations or discrepancies.

Key Responsibilities:

  • Reviewing documentation provided by customers to ensure applications meet policy requirements.
  • Providing exceptional levels of internal and external customer service by responding to, managing, and resolving customer and stakeholder inquiries, complaints, and issues.
  • Applying sound risk management practices by identifying and responding to business risks.
  • Processing transactions within agreed turnaround times and maintaining consistent accuracy in a high-volume environment.
  • Working collaboratively with a team to identify continuous improvement ideas that enhance the customer experience.

Requirements:

  • Bachelor's or Master's degree in any field.
  • At least 2 years of experience in credit decision-making or mortgage loan underwriting in Australian, UK, or USA mortgage domains.
  • Strong understanding of Australia, USA, or UK lending regulations is essential for this role.
  • Excellent attention to detail and accuracy, as demonstrated in previous roles.
  • Ability to communicate effectively with internal and external stakeholders at all levels.
  • Capacity to work independently and prioritize tasks in a fast-paced environment.

What We Offer:

  • A competitive salary: ₹12-18 lakhs per annum
  • Relocation assistance available for candidates from outside Bangalore
  • Two-way cab facility provided for commuting


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