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Review borrower docs for accuracy/compliance, match to stips in LOS, update systems, run engines, analyze credit, resolve gaps, escalate issues, support underwriters, and ensure timely, compliant loan processing per guidelines.

Job Overview:

We are looking for a skilled Loan Processor support our Australian Mortgage Broking firm in a variety of tasks related to of loan processing, loan monitoring and loan administrative support.

This is an excellent opportunity for candidates who want to gain exposure to an Australian work culture while working closely with a dynamic team.

This role requires excellent English language proficiency, strong organizational skills, and experience in loan processing. It is preferred the candidate has experience in FLEX, Broker Engine, but this is not essential.  Candidate must be confident in using the Microsoft Office Suite (Word, Excel, Outlook, Teams and Power Point).

Key Responsibilities:

• Provide Excellent Customer Service:
• Answer incoming calls
• Answer any inquiries customers have about their loan application
• Provide accurate and timely updates to customers during the entire lifecycle of loan application
• Provide resolution to issues as appropriate in a timely and efficient manner
• Coordinate Loan Files:
• Prepare documents setting out conditions of credit and loans, rates of repayment and loan periods, and providing information about customers' standing to financial and credit institutions
• Review files and documentation to ensure complete and accurate
• Use the FLEX / Broker Engine system to upload and submit files and paperwork
• File Management - maintaining an efficient filing system
• Monitor client files in progress (Approved, documents issued, settlements dates)
• Proactively contact financial and credit institutions to obtain information about customers
• Following up conveyancers, solicitors, real estate agents for documentation and dates set
• Order valuations on behalf of brokers and follow progress
• Follow up on stakeholders to confirm receipt and commitment to next action
• Communicate with stakeholders the status of loan files as appropriate
• Analysing Information & Administration
• Analyse information about customers and examining references, credit ratings, investment risks, pay slips and other information against predetermined policy standards
• Research lender policy to ensure all documents are accurate and up to date
• Keep records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action
• Prepare FHOG applications
• General office support and administration support to broker
• Compliance management of Loan Files
• Deliver timely and accurate reporting to the owner and Loan Writers
• File and Data Management
• Organize, update, and maintain digital files in compliance with the firm's procedures and confidentiality standards.
• Administrative Support
• Assist with billing, calendaring, and other administrative tasks as needed to ensure smooth operation of legal services.

·   
Collaboration

o  Work effectively with the Australian team to ensure the timely delivery of financial reports and compliance documentation.

Qualifications and Skills:

• Education:
  Bachelor's degree in Commerce or Business Administration, or Master of Business Administration, or related field preferred.
• Experience:
  Minimum of 4 years of experience as a loan processor, servicing the Australian market
• Technical Skills:
  Proficiency in FLEX / Broker Engine is highly regarded and Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) is necessary
• Language Proficiency:
  Excellent command of English (both written and verbal).
• Attention to Detail:
  Strong attention to accuracy and detail, especially in document preparation and data entry.
• Organizational Skills:
  Ability to manage multiple cases and deadlines effectively.

Benefits:

• Gain exposure to Australian mortgage broking practices and work culture.
• Opportunity to work closely with an experienced and supportive team.

Additional considerations

·   The successful candidate must be willing to learn and adapt to innovative IT programs, including Artificial Intelligence programs such as ChatGPT.

·   The successful candidate must be proactive in seeking clarifications on work tasks when required.

·   The successful candidate must be able to support junior team members through coaching and mentoring

Career Progression and Opportunities:

This role offers a solid foundation for growth and professional development. As a KPO employee with us, you will have the following career progression opportunities:

·   Training and Technical Development: Gain hands-on experience with Australian broking practices and software. We offer ample on the job training and have access to training modules to deepen your technical understanding and keep you updated with the latest industry standards and software tools.

·   Advanced Work Opportunities: As you build your skills, you will have the chance to work on more complex areas. We are committed to supporting your career path through a broad scope of legal responsibilities.

·   Exposure to Australian Work Culture: Experience a dynamic and collaborative Australian work culture, which values transparency, innovation, and mutual respect. You will work closely with our Australian team, gaining valuable insights into best practices and client expectations.

·   Leadership Potential in a Growing Team: As part of our expanding team, there will be opportunities for you to train and coach new staff members. This role offers a pathway to leadership for candidates who are motivated to develop others and contribute to a supportive team environment.

Job description

Senior Processor

Experience in 4c’s of Underwriting

Salary Income Calculation

Self Employment

Asset calculations

DTI

LTV

PITI

Credit report review

Experience-4 to 7 Years

Notice Period- Immediate to 1 Month

Job Location-Sholinganallur, Chennai

One way cab facility

Walk In Interview Date- 10th & 11th April 2025

Walk In Time-10.30 A.M to 1.30 P.M

Interview Venue-Wipro Limited-CDC5 468/469, 475/A, Old Mahabalipuram Road, Elcot Sez, Sholinganallur, Chennai

Contact Person-Krishna/Naveen

• Originate new mortgage loans by developing and maintaining client relationships.
• Conduct in-depth needs analysis with potential borrowers.
• Advise clients on appropriate mortgage products and terms.
• Process loan applications accurately and efficiently.
• Ensure compliance with all lending regulations and company policies.
• Collaborate with internal teams (underwriters, processors) to facilitate loan closings.
• Build and nurture a referral network within the real estate industry.
• Meet and exceed individual sales goals and objectives.
• Stay informed about market trends and competitive offerings.
• Provide exceptional customer service throughout the loan process.

Address

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Fort Worth, Texas, United States

SCOPE/CONTACTS: Incumbent is responsible for providing secondary market mortgage loans to consumers. The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs.

ESSENTIAL FUNCTIONS:

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives; 
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

MINIMUM QUALIFICATIONS:

• High school diploma or equivalent
• Two years of mortgage loan experience, and one year of real estate/sales experience are required.
• Bachelor’s Degree with specialization in real estate or finance may substitute in lieu of experience.
• Working knowledge of mortgage lending and laws/regulations procedures is necessary.

• Must be familiar with FNMA, FHLMC, FHA, and VA regulations and guidelines as well and other loan

programs offered.

• Proficiency in Microsoft Word, Excel, and related computer applications is also required.
• Incumbent must be able to work with limited supervision.
• Professional demeanor as well as effective oral communication and interpersonal skills are essential.

JOB TITLE:U.S Mortgage Underwriter

SHIFT TIMING: Must be open for Night Shift

POSITION TYPE: Full-Time

LOCATION: Chennai

Experience Range: 0.6 months – 8 years

Notice period: UPTO45Days

Job description

A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements.

Key Responsibilities:
Loan Application Review:

Analyse and verify loan applications, ensuring all required documents are complete and accurate.

Assess the borrower's credit history, employment, income, and debt levels.

Confirm the property's value through appraisal reports.

Credit and Financial Analysis:

Evaluate credit reports to determine the borrower's creditworthiness.

Analyse financial statements, tax returns, pay stubs, and other income documentation.

Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation.

Compliance and Risk Assessment:

Ensure loans comply with all federal, state, and local regulations.

Adhere to company policies and guidelines.

Identify potential risks and assess the overall risk level of the loan.

Essential skills and requirements:

• Any bachelor's degree.

• Proven experience in mortgage processing or underwriting.

• Strong knowledge of mortgage industry regulations and procedures.
• Excellent analytical and problem-solving skills.

• Detail-oriented with exceptional organizational abilities.

• Proficiency in using mortgage processing software and financial tools.

• Effective communication and interpersonal skills

.
• Ability to work efficiently under pressure and meet tight deadlines.

• Solid understanding of financial statements and credit reports.

• Certification in mortgage underwriting or related fields is a plus.

Hiring with a full-scale B2B E-commerce platform that provides integrated procurement with financing solutions for building raw materials across India, revolutionizing the construction industry ‘s supply chain through digital innovation.

Key Accountabilities

Credit Assessment

- Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.

- Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis

- Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.

- Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.

Documentation and Due Diligence

- Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.

- Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

- Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Documentation and Due Diligence

- Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Communication and Reporting

- Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.

- Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.

Portfolio Monitoring

- Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.

- Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.

Job Title

Senior Credit Analyst - Loan Against Securities

Job Role - AVP

Job Summary:

We are seeking self-driven and dynamic professionals with 8+ years of experience as a Credit Analyst,. The role focuses on credit assessment, financial analysis, proposal preparation, exposure monitoring, and industry tracking. Candidates must possess strong analytical skills, market knowledge, and a solid understanding of credit and regulatory frameworks.

Key Responsibilities

Thorough understanding and analysis of companies and industry and presentation of ideas and recommendations.

Preparation of credit proposal analyzing the borrower and group financials, security for the loan, background check for the borrower and promoters.

Presentation to the credit committee & Board and seeking approvals and issuance of the sanction letter.

Periodic Monitoring & Review of the exposures

Tracking the security performance, news updates, industry news, the promoters and the like

Adhering to the RBI regulations, internal policies

Maintaining various Policies, Data and MIS

Collect and analyse financial data using online and other data sources such as annual reports, Capitaline, Bloomberg etc.

Manage ad-hoc analytical research requests

Help prepare and maintain industry data. Track Macro/micro economic data

Track company operating metrics based on relevance in different sectors/companies

Have analyzed in the past various Mid or Large sized companies

Job Description:

We are looking for detail-oriented and analytical Credit Analyst to join our Credit team. The candidate will be responsible for assessing creditworthiness, credit analysis, preparing CAMs, managing credit risk, and ensuring the financial stability of our customers (NBFC). This role involves evaluating credit applications, monitoring existing credit accounts, and collaborating with internal teams to support informed credit decisions.

Our ideal candidate has a solid understanding of lending procedures, excellent problem-solving skills, and a professional attitude towards managing credit issues.

Responsibilities:

Credit Evaluation : Analyse credit applications and financial statements to assess credit risk and determine appropriate credit limits and terms.

Risk Assessment : Conduct thorough credit risk assessments using quantitative and qualitative methods. Monitor and review credit risk exposure for wholesale accounts.

Data Analysis : Utilize financial data, market trends, and credit scoring models to evaluate the financial health of wholesale customers.

Reporting : Prepare detailed credit reports and summaries for senior management, highlighting potential risks and recommending action plans.

Customer Interaction : Communicate with customers to gather necessary financial information, address credit concerns, and negotiate terms and conditions.

Credit Policy Adherence : Ensure compliance with company credit policies and procedures. Recommend updates or improvements to credit policies as needed.

Collection Support: Collaborate with the collections team to manage overdue accounts and resolve any credit-related issues.

Market Research: Stay informed about industry trends, economic conditions, and competitor activities to anticipate potential credit risks.

Presentation : Preparing and presenting reports on credit related activities to upper management

Qualifications:

• Proven work experience as a Credit analyst or similar role
• Knowledge of credit-related laws and regulations
• Experience performing credit reviews and risk assessment
• Proficiency with databases and software for processing credit applications
• Strong analytical and negotiation skills
• Excellent organizational and leadership skills
• Graduate and above, bachelor's degree in business administration, Finance or relevant field will be preferred.
• Good understanding of accounting standards, balance sheet analysis,

Additional Information

• Job Title: Credit Analyst
• Work Environment: Office setting. Some travel may be required for client meetings.
• Reporting Structure: As per management decision
• Salary: Salary is based upon candidate experience and qualifications, as well as market and business considerations.
• Location: (Pune, Maharashtra)
• Employment Type: Full-time
• Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, gender, age, marital status, veteran status etc.