Credit Analyst / Credit Underwriter ( Australian Mortgage )

Mantras2Success View all jobs

  • Ahmedabad, Gujarat
  • Permanent
  • Full-time
  • 8 days ago
Job Summary:We are looking for a detail-oriented and analytical Credit Assessor with experience in Australian mortgage underwriting. The candidate will be responsible for assessing loan applications, evaluating creditworthiness, and ensuring compliance with Australian lending guidelines.Key Responsibilities:
  • Assess home loan applications in line with Australian lending policies and regulations
  • Analyze applicant financials including income, liabilities, credit history, and repayment capacity
  • Verify documents such as payslips, bank statements, tax returns, and employment details
  • Calculate borrowing capacity and assess serviceability
  • Identify risks and make informed credit decisions (approve/decline/refer)
  • Ensure compliance with Responsible Lending Obligations (RLO) and internal policies
  • Liaise with brokers, clients, and internal teams for additional information
  • Maintain accurate records and documentation for audit purposes
  • Stay updated with changes in Australian mortgage policies and market trends
Required Skills & Qualifications:
  • Experience in Australian Mortgage & Credit Assessment
  • Strong understanding of Australian lending guidelines and compliance
  • Knowledge of tools like ApplyOnline, Mercury, Infinity, My CRM
  • Excellent analytical and decision-making skills
  • High attention to detail and accuracy
  • Good communication and stakeholder management skills
Preferred Skills:
  • Experience working with Australian banks or mortgage brokers
  • Knowledge of credit scoring models and risk assessment
Working Conditions:
  • Shift timings aligned with Australian business hours
  • 5 days working

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