HCL MEGA DRIVE For Consumer Loan Underwriting

HCL MEGA DRIVE FOR Consumer Loan Underwriting on 19,20 Dec 2024

PLEASE ATTEND ONLY IF YOU HAVE RELEVANT EXPERIENCE

Walk-in Details:

Date: 19,20 Dec 2024

Timing : 11:00AM to 2:00 PM

Interview location : TOWER 5 - HCL Elcot Sez, Sholinganallur, Chennai, Tamil Nadu 600119

HR Contact: Priya/ Nikita

Years of Experience - 1 TO 6 YEARS

Important Note:

• Candidates who can join immediately or 1 month of notice period are preferred

Location Chennai

Shift Time 5.00 am to 3.00 pm (IST)

Domain: Australian Mortgage Credit Decision (Underwriting)

Process: Consumer Loan Underwriting

Job Location : Shollingnallur, Chennai

Job Description:

This is a Chat based Back office process, where the borrowers/agents would contact the analyst requesting a decision on a Consumer Loan product offered by the client

The process involves Underwriting for Secured and Unsecured loans. This involves a detailed study of the borrowers credit standing, credit worthiness and capacity to pay. A detailed investigative analysis of the borrowers credit report along with evaluation of income would be required to take a decision on the loan.

Job requires:

• Excellent written and oral communication skills in English is a must
• Willingness to work in early morning is a must (5.30 am to 3.30 pm)
• Willingness to work 5 days a week with rotational weekly offs (Saturday and Sundays will not be off) is a must
• Minimum 1-year experience in Consumer Loan Underwriting or Mortgage Underwriting in the US market
• Should be well versed with the procedures for reviewing the Credit Report (Experian, Transunion, Equifax) and should have good understanding of the FICO scores and ability to identify Bankruptcy, Delinquencies through the credit report reviews.
• Should be well versed with Income verification and Income calculation procedures using Paystubs, W2s and Military LES statements.
• Experience in Income calculation using Tax Documents like Schedule C, Schedule E, 1099, 1065, K1, 1120S, for Self-employed borrowers would be an added advantage though not mandatory.
• Good knowledge of Banking principles
• Good knowledge of Lending principles
• Good Analytical skills and Logical reasoning
• Should be a team player with good interpersonal skills
• Graduation in any discipline

Key words

• Mortgage Underwriting
• Consumer Loan Underwriting
• Income Verification
• Income Calculation
• Paystub Review
• LES Review
• W2 Review
• Credit report Review

Perks and Benefits :

MNC

Cab facility (two way) (Upto 30 Kms Only)

Salary : great in the industry

Excellent working environment

Free Cab for female employees

International Trainers

World class exposure

How You'll Grow

At HCL Tech, we offer continuous opportunities for you to find your spark and grow with us. We want you to be happy and satisfied with your role and to really learn what type of work sparks your brilliance the best. Throughout your time with us, we offer transparent communication with senior-level employees, learning and career development programs at every level, and opportunities to experiment in different roles or even pivot industries. We believe that you should be in control of your career with unlimited opportunities to find the role that fits you best.

Why Us

We are one of the fastest-growing large tech companies in the world, with offices in 60+ countries across the globe and 222,000 employees.

Our company is extremely diverse with 165 nationalities represented.

We offer the opportunity to work with colleagues across the globe.

We offer a virtual-first work environment, promoting a good work-life integration and real flexibility.

We are invested in your growth, offering learning and career development opportunities at every level to help you find your own unique spark.