Job highlights

- 3+ years experience in Australian Mortgage Processing with expertise in Self-Employed Income Calculations
- Perform detailed credit assessments for Australian home loans, analyze financial statements, verify loan documentation, assess credit risk, and ensure compliance with lender policies and regulations

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) (New Delhi)
🏢 Delight HR
📍 New Delhi