Credit Assessment - Home/Mortgage Loan

Credit Assessment, home loan, ANZ region, insurance, mortgage, loan, personal loan,

Part of Retail Lending Operations, ANZ Bangalore, the Home Loans Assessment Team is a function that is responsible for Underwriting/Judgmental Credit Decisioning of Home Loans for Australian Customers.

Credit Assessment or Underwriting is the detailed credit analysis preceding the grant of a loan. The credit analysis includes verifying and assessing an applicant's current financial position, employment history, credit history, credit needs, ability to pay and the asset being offered as security.

The Credit Assessors hold various levels of Credit Approval Discretion (CAD) ranging from AUD 1.5 Million upto 4.0 Customer types include Pay As You Go (Salaried), Sole Trader, Self Employed, Guarantor, Foreign Income, Partnerships, Company, Trusts etc.

A Typical candidate profile would look like;

- 6-9 Total Work Experience in Underwriting/Assessment (Mortgages/Insurance) or related fields

- Experience in the BFSI Industry

- Graduate/Post-Graduates (CA Inter/CA/MBA Finance/P.G (Mathematics) with Mathematics as a Core Subject preferred)

- Strong Analytical, Reasoning and Problem Solving Skilla

- Strong Written and Verbal Communication Skills

- Ability to work under pressure

- Flexibility to work in shifts