Australian Mortgage Specialist

3 days ago

Lucknow, Uttar Pradesh, India beBeeCredit Full time ₹ 15,00,000 - ₹ 25,00,000
Job Summary

We are seeking an experienced professional to fill the role of Credit Manager with a strong background in Australian mortgage underwriting.

  • Responsibilities include assessing home loan applications in line with Australian credit policies, ensuring high-quality credit decisions, and collaborating with stakeholders across geographies.
  • The ideal candidate will be responsible for performing income verification, credit checks, property valuation reviews, and responsible lending assessments.
  • They will also liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Key Responsibilities:
    • End-to-end assessment 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 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.
  • Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

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