Mortgage Credit Specialist

5 days ago


Dombivli, Maharashtra, India beBeeCredit Full time ₹ 9,00,000 - ₹ 12,50,000

Job Description:

We are seeking seasoned credit experts with a strong background in mortgage underwriting to join our organization.

Responsibilities:

  • Perform thorough risk assessments and decision-making on home loan/mortgage applications based on established guidelines and regulations.
  • Conduct detailed income verification, credit checks, property valuation reviews, and responsible lending evaluations.
  • Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Deliver timely and high-quality credit decisions while meeting service level agreements and compliance standards.
  • Ensure adherence to relevant laws, regulations, and industry standards.
  • Guide junior underwriters, support process improvements, and prepare regular reports on pipeline, SLAs, 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 mortgage domain.
  • Strong understanding of responsible lending guidelines and loan origination systems.
  • Exposure to multiple lenders is an asset.
  • 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 mortgage ecosystem.


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