Company Name: HCLTech
Job Role: Process Associate
Experience: 1 – 6 Years
Qualification: Any Graduate
Job Type: Full Time
Job Location: Bangalore
Salary: Best in Industry
Job Description:
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- Must have experience in analysis of customers current financial position, employment history, credit history, credit needs, ability to pay and the asset being offered as security.
- Well-versed with the 4 Cs of Credit.
- Extensive skill to adhere to regulatory and company guidelines and should be able to understand complex-subject matters quickly.
- Experience in assessing the credit risk associated with each loan application and providing an outcome regarding Approval/decline of the loan application.
- Experience in lending/credit policy, product and Mortgage Insurance guidelines, and a high level of judgement, in assessing applicants credit worthiness.
- Experience in reaching out to external stake holder communication via calls with Brokers/Lenders.
- Expertise in Customer centric communication with positive repo building.
- Excellent written and verbal communication skills.
Core Responsibilities:
- Loan Application Assessment
- Creditworthiness Evaluation
- Income Verification
- Risk Analysis
- Property Valuation Review
- Reviewing LVR
- Approval or Declination of Loans
- Fraud detection
Skills and Qualifications:
- Knowledge of Responsible Lending Obligations
- Understanding of APRA and ASIC regulations
- Strong Analytical and Financial Assessment Skills
- Attention to Detail
- Communication and Stakeholder Management
- Experience with Lending Policies and Procedures
- Time Management and Multi-tasking Skills
Qualification & Experience:
- Bachelor’s or master’s degree in any field.
- 2+ years of experience in Pre-underwriting, Loan Processing, Mortgage Underwriting or Post Close Underwriting in Australian Mortgage, USA & UK mortgage domain.
- Proven work experience as a Mortgage Underwriter or similar role
- Strong understanding of Australia, USA, or UK lending regulations is essential for this role.
- Excellent analytical and problem-solving skills, with meticulous attention to detail.
- Ability to communicate effectively with internal and external stakeholders at all levels.
- Familiarity with loan origination systems and other relevant software applications.
- Ability to work independently and prioritize tasks in a fast-paced environment.
Apply Mode: Walk-in
Walk-in Details:
Walk-in Date: 7th to 9th Feb 2025
Time: 11.00 AM – 2.00 PM
Venue Details:
Sez Unit-ii Hub 1 No.6.16.294.1,
Karle Infra Sez 3rd Floor-partial,
100 Ft Kempapura Main Road,
Nagavara Bengaluru, Karnataka, 560045.
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