Job Summary

JD for Credit Assessor

Location: Bangalore

5 Days Work from office

Shift Timings
Australian Shift Timings
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