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Walkin Interview for Mortgage Underwriters

Walkin Interview for Mortgage Underwriters

HCLTechErode, Tamil Nadu, India
1 day ago
Job description

If you are looking for an exciting opportunity, join us at the Walk-in Drive!

HCL is

hiring for Associate / Senior Executive

roles, and we are conducting a

Walk-in Drive

in Sholinganallur.

Walk-in Drive Details :

Location :

HCL TECH- Sholinganallur, ( Address :

Elcot SEZ, Medavakkam High Road, Solinganallur, Chennai, Tamil Nadu 600119)

Date : 6th and 7th November

Time :

12 : 00 AM – 3 : 00 PM

Contact HR SPOC – Dharani

Job Opportunity : Associate / Senior Executive

Location :

Chennai - Sholinganallur

Shift Timing :

7 : 00 AM – 5 : 00 PM (IST)

Domain :

Australian Mortgage Underwriting

Work Model :

Work from Office (WFO)

Job Summary :

The ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies.

Responsibilities :

  • Analyzing customer financial positions, employment history, credit history, and ability to repay.
  • Understanding and applying the

4 C’s of Credit

effectively.

  • Ensuring compliance with
  • regulatory and company guidelines .

  • Assessing credit risk and determining loan approval / decline decisions.
  • Applying lending / credit policy, mortgage insurance guidelines, and risk assessment principles.
  • Communicating with external stakeholders, including
  • Brokers / Lenders .

  • Demonstrating
  • strong customer-centric communication skills .

    Core Responsibilities :

  • Loan Application Assessment
  • Creditworthiness Evaluation
  • Income Verification
  • Risk Analysis
  • Property Valuation Review
  • Reviewing Loan-to-Value Ratio (LVR)
  • Approval or Declination of Loans
  • Fraud Detection
  • Skills & Qualifications :

  • Knowledge of
  • Responsible Lending Obligations

  • Understanding of
  • APRA and ASIC regulations

  • Strong
  • analytical and financial assessment

    skills

  • Excellent
  • attention to detail

    and

    time management

  • Effective
  • communication & stakeholder management

    skills

  • Experience with
  • lending policies & procedures

  • Experience with
  • KYC process

    Qualification & Experience :

    Education :

    Bachelor's or Master's degree in any field.

    Experience : 2+ years in

    Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting

    in

    Australian, USA, or UK mortgage domains .

    Must-have :

    Strong understanding of

    Australian, US, or UK lending regulations .

    Added Advantage : Candidates with

    strong communication experience with onshore clients

    will have an edge.

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    Mortgage Underwriter • Erode, Tamil Nadu, India