Job Summary

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.

📌 Credit Assessor Australian Mortgage Process Bengaluru
🏢 Delight HR
📍 Bengaluru