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Job Opportunity: Associate / Senior ExecutiveLocation: Chennai - SholinganallurShift Timing: 7:00 AM – 5:00 PM (IST)Domain: Australian Mortgage UnderwritingWork Model: Work from Office (WFO)Job Summary: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 C’s 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 DetectionSkills & 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 processQualification & Experience:Education: Bachelor's or Master's degree in any field.Experience: 2+ years in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains.Must-have: Robust understanding of Australian, US, or UK lending regulations.✅ Added A

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📌 Senior mortgage underwriter (Chennai)
🏢 HCLTech
📍 Chennai