Mega Walkin HCLTech Banking & Finance 12th and 13th September 2025

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 Navalur.

Walk-in Drive Details :

Location : HCL Technologies Ltd, ETA 3, No 33, Block 1, Sandhya Infocity, OMR, Rajiv Gandhi Salai, Navalur, Chennai

Date : 12th September, Friday & 13th September Saturday

⏰ Time : 10 : 00 AM - 3 : 00 PM

Contact HR SPOC Dharani & Sanjay

Job Opportunity : Associate / Senior Executive

Location : Chennai

Shift Timing : 6 : 00 AM 4 : 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 Cs 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 :

Skills & Qualifications :

Qualification & Experience :

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

Experience : 2+ years in Mortgage Underwriting and Quality 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.

Job Title : Quality Analyst (Australian Mortgage Underwriting)

Location : (Chennai)

Shift : Australian Day Shift

Working Model : WFO

Experience : Overall experience of 3–5 years (2+ years of experience in mortgage operations (Preferably Australian home loans), with 1+ years in a quality assurance role

Employment Type : Full-time

Job Summary :

To effectively monitor mortgage underwriting activities, typical responsibilities in Australian mortgage roles include :

Evaluating client financials to determine loan eligibility.

Recommending appropriate loan products based on client needs and financial profiles.

Processing loan applications efficiently and accurately.

Ensuring compliance with lending regulations and internal policies.

Maintaining quality standards , conducting regular audits, and ensuring adherence to guidelines.

Providing constructive feedback and coaching team members to enhance performance and drive continuous improvement.

Key Responsibilities :

Conduct audits on mortgage underwriting cases

Evaluate adherence to Australian credit policies and lender guidelines based on SOP

Identify errors and trends in processing

Provide constructive feedback to underwriters based on audit findings

Conduct one-on-one coaching sessions to address performance gaps

Escalate potential risks or non-compliance issues to the TL.

Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.

Maintain audit documentation and RCA log.

Prepare daily / weekly audit reports

Track individual and team quality scores

Requirements :

Graduate / Postgraduate in Finance, Commerce, or a related field.

2+ years of experience in mortgage operations, with at least 1+ year in a quality assurance role

Strong attention to detail and analytical skills, communication skills

Good knowledge of MS-excel skills (Analysis of data and reporting dashboards).

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 Australian mortgage ecosystem.

Proficiency in tools like MS Excel and capable of doing basic root cause analysis, framing action plans, lean and Continuous Improvement) with good communication skills.