Mortgage Underwriting Specialist

4 days ago

Guntur, Andhra Pradesh, India beBeeFinancialRisk Full time ₹ 9,00,000 - ₹ 18,00,000

**Job Title:** Financial Risk Manager

We are seeking experienced professionals with a strong background in mortgage underwriting to join our team. The ideal candidate will be responsible for assessing home loan applications, ensuring high-quality credit decisions, and working collaboratively with stakeholders across geographies.

**Key Responsibilities:

  • Assess and evaluate home loan/mortgage applications based on credit policy and guidelines.
  • Verify income, perform 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 and compliance standards.
  • Ensure adherence to National Consumer Credit Protection Act, Anti-Money Laundering, and other regulatory requirements.
  • Mentor and guide junior underwriters, and support process improvements.
  • Prepare reports on pipeline, service level agreements, and quality metrics.

**Requirements:

  • Graduate/Postgraduate degree 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 (Bankwest, CBA, ANZ) 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.
  • Solid knowledge of credit bureaus like Equifax (AU).
  • Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

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