Credit Assessor Australian Mortgage Process - Location: Bellandur, Bengaluru. Work Mode: Work From Office (WFO). Employment Type: Permanent Role. Working Days: 5 Days a Week.
Shift Timings
- Australian Morning Shift
- Shift may start from 5:00 AM or 7:00 AM depending on business requirements
Transportation
- Transportation facility is currently not provided
- Transportation support may be introduced in the future based on company policy
- Shift allowance may be provided as part of the salary structure
Team Size
- Overall Team Size: 40 Employees
- Bengaluru Team Size: 30 Employees
Experience Required
- 3+ years of experience in Australian Mortgage Processing
- Experience in Self-Employed Income Calculations (Sole Trader / Company / Trust) is mandatory
Key Responsibilities
- Perform detailed credit assessment for Australian home loans and self-employed applications
- Provide credit analysis on financial statements and assess credit risk
- Review loan documentation for accuracy and completeness
- Analyze data to verify information and identify fraud risks
- Review complex loan structures and ensure compliance with lender policies and regulatory requirements
- Assess individual, company, and trust income for loan approval or denial
- Coordinate with lenders, brokers, and stakeholders to support sound credit decisions
- Ensure loan approvals/declines align with underwriting guidelines and risk mitigation standards
- Verify customer identity details in compliance with regulatory requirements
- Conduct credit assessments based on the 4 C's:
- Capacity
- Capital
- Credit
- Collateral
- Ensure applications comply with credit policies, regulatory standards, and service-level timelines
Required Skills
- Credit Assessment
- Income Calculations
- Australian mortgage policies
- lending processes
- End-to-end loan processing
- Analytical skills
- Communication skills
- Backend operations setting
Qualification Any degree is acceptable with relevant experience.