- Shift may start from 5:00 AM or 7:00 AM depending on business requirements
Responsibilities
- Provide credit analysis on financial statements and assessed credit risk for clients.
- Perform detailed credit assessment for Australian home loans and self-employed applications.
- Analyze data to verify information and check for fraud.
- Review loan documentation to ensure accuracy and completeness.
- Review complex loan structures to ensure compliance with lender specific credit policy and regulatory requirements.
- Decide loan approval or denial by assessing individual, company and trust income.
- Coordinate with lenders, brokers and other stakeholders to support sound credit decisions.
- Ensure all loan approvals or declines are in line with underwriting guidelines,
effectively mitigating risk while achieving business objectives.
- Accurately verify customer identity, including name, date of birth, address, and identification details, in compliance with regulatory requirements.
- Review loan applications and supporting documents to ensure compliance with credit policies and regulatory standards, conducting thorough credit assessments based on the 4 Cs: Capacity, Capital, Credit and Collateral.
- Ensure all applications comply with credit policies, regulatory standards, and service-level timelines.
- End-to-end processing of Australian mortgage loan applications.
Requirements
- Knowledge in calculating Self-Employed Income (Sole Trader/ Company/Trust) is a must.
📌 Credit Assessor Professional (Bengaluru)
🏢 Delight HR
📍 Bengaluru
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