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:
- 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.
Tips for Attending Walk-In Interviews
Walk-in interviews are a golden opportunity for jobseekers to secure a job without the long wait of traditional interview processes. However, with many candidates competing for the same position, it's crucial to make a strong and positive impression. Here are some valuable tips to help you stand out and succeed in your next walk-in interview.
1. Do Your Homework
Even though walk-ins are often spontaneous, take time to research the company, its services, and the role you're applying for. This shows your genuine interest and helps you tailor your responses effectively.
2. Dress Professionally
Your appearance matters. Wear neat, formal attire that suits the job role. Clean shoes, groomed hair, and minimal accessories reflect your seriousness and professionalism.
3. Carry All Necessary Documents
- Updated Resume (Multiple Copies)
- Passport Size Photographs
- Educational Certificates
- Experience Letters (if any)
- Valid ID Proof
4. Be Punctual
Arriving early gives you time to settle in, observe the environment, and be mentally prepared. It also shows that you value the interviewer’s time.
5. Practice Your Pitch
Prepare a short and effective self-introduction. Be clear about your skills, career goals, and how you can add value to the company.
6. Stay Confident & Courteous
Maintain eye contact, offer a firm handshake, and listen actively. Confidence, without arrogance, creates a positive impression.
7. Follow Up
If you’re given a business card or email, don’t forget to send a thank-you message. It reflects professionalism and interest in the role.
By following these simple yet powerful tips, you can improve your chances of converting walk-in interviews into job offers. Good luck on your career journey!
