HCLTech | Mega Walk in Drive at Chennai Sez | Mortgage Underwriting

Mega Walk in Drive at Chennai Sez -30th and 31st Jan'2025

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: 30th and 31st 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.

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:

• 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.

Note: Bring your ID proof for the Gate Pass.