HCLTech is conducting a walk-in drive for Freshers/Exp as Associate Positions in Bangalore Location. This opportunity is open to all Graduates. More details regarding the walk-in interview, including specific venue and timing, please refer to the additional sections provided.

Company Name: HCLTech

Job Role: Associate / Senior Executive

Experience: 2 – 7 Years

Qualification: Any Graduate

Job Type: Full Time

Job Location: Bangalore

Salary: Best in Industry

Job Description:

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:

• 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 Mortgage 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.

Apply Mode: Walk-in

Walk-in Details:

Walk-in Date: 25th & 26th July 2025

Time: 11.00 PM – 5.00 PM

Interview Address:

HCLTech,
SEZ hub, DadaMastan Layout,
Karle Tech Park, Nagavara, 1,
Veeranapalya, Karle Town,
Bengaluru, Karnataka 560024.

About HCLTech:

HCL Technologies Limited, commonly known as HCLTech, is a leading Indian multinational IT services and consulting company headquartered in Noida, Uttar Pradesh. Founded in 1976 by Shiv Nadar, HCLTech was spun off from HCL Enterprise in 1991 to focus on software and technology services.