HCLTech | Mega Walk-in Drive at Chennai Sez | 23rd and 24th Jan'25.

Interview Place: Tower 4, Elcot SEZ Special Economic Zone, 602/3, 138, Shollinganallur Village, Shollinganallur - Medavakkam High Road, Tambaram Tamil Nadu, Kancheepuram (Dist), Chennai, Tamil Nadu 600119.

Interview Date: 23rd & 24th Jan 2025.

Interview Time: 11am- 2pm.

Contact Person: HR Priya & HR Prideep.

Job Details:

Job Title Associate / Senior Executive

Location Chennai

Shift Time 7:00 am to 5.00 pm (IST)

Domain: Australian Mortgage Underwriting

Work model: WFO Only.

Job Summary:

The ideal candidate will be tasked with auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. Responsibilities include meticulously reviewing loan applications, assessing documentation accuracy. Verifying adherence to established lending criteria and identifying any deviations or discrepancies.

Responsibilities:

• 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:

• Bachelors or Masters 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.

Kindly Bring your ID proof for the Gate Pass