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Job details:
WE’RE HIRING | Credit Assessor – Australian Mortgage
Are you experienced in Australian Mortgage Credit Assessment and passionate about making accurate credit decisions?
We are looking for experienced Credit Assessors with strong expertise in Australian Mortgage underwriting and credit assessment. The ideal candidate must have hands-on experience in assessing Australian home loan applications, including self-employed income calculations and complex credit analysis.
Location: Embassy Tech Village, Bellandur – Bengaluru
Work Mode: Work From Office (Day Shift)
Employment Type: Full-Time
Salary Range: ₹6 LPA – ₹15 LPA
Key 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 C's: Capacity, Capital, Credit and Collateral.
● Ensure all applications comply with credit policies, regulatory standards, and service-level timelines.
Mandatory Requirements
● Must have experience in Credit Assessment of Australian Mortgage Applications
● Strong knowledge of Self-Employed Income Calculation is mandatory
● Experience in Australian home loan underwriting and credit analysis
● Strong understanding of lending guidelines, compliance, and risk assessment
Preferred Skills
● Excellent analytical and decision-making skills
● Strong attention to detail
● Good communication and stakeholder management abilities
● Ability to work in a fast-paced environment with accuracy
Experience Required: Relevant experience in Australian Mortgage Credit Assessment / Underwriting
Qualification: Graduate in any discipline (Finance/Commerce preferred)
Preferred Candidates: Immediate joiners or candidates with shorter notice periods preferred
How to Apply
Interested candidates can share their updated resume along with the following details:
● Current CTC
● Expected CTC
● Notice Period
● Current Location
● Relevant Experience in AUS Mortgage
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Click on Apply to know more.