Walk-in Interview for Mortgage Underwriter at HCLTech| New Vacancy

Walk-in Interview for Mortgage Underwriter at HCLTech in Bengaluru is a great chance for a skilled person to go through loan applications, as well as ensure that they conform to the credit policies, regulatory requirements, and responsible lending obligations. The mentioned duties include to the extent of the documents, creditworthiness verification of the borrower, risk assessment, and decision-making of whether to approve or decline. Individuals having more than 2 years of experience in the setting of Australian, US, or UK mortgage underwriting and possessing well-developed analytical, communication, and compliance skills should not hesitate to submit their application.

• Position: Mortgage Underwriter
• Company: HCLTech
• Location: Bengaluru 
• Experience: 2+ yrs
• Education: Any Graduate 
• Salary: ₹4.5 – ₹6.5 LPA
• Employment Type: Full Time 

Job Description of Walk-in Interview for Mortgage Underwriter

HCLTech is seeking smart people with experience in Australian Mission Underwriting who can work at their Bangalore office. The job will primarily revolve around making sure loan requests have been properly verified, are consistent with the regulations, and don’t pose any risk or have any discrepancies.The main duties of underwriters, as an associate or senior executive in head office, consist of processing mortgage applications by brokers or home loans in the corner, and then, depending on the analysis of the applicant’s financial profile, calculate the risk and decide the right way for the loans, that is whether to be approved or declined. You will be involved in internal and external stakeholder engagement to devise smooth, accurate, and regulatory mortgage underwriting services.It is a perfect job offer for those who have at least 2 years of experience as a mortgage underwriter in Australia, UK, or US domiciliary mortgage and a strong grasp of credit policies and regulations.

Key Responsibilities for HCLTech Mortgage Underwriter 

HCLTech wants you to function as a Mortgage Underwriter. Your major tasks will be:

1. Loan Application Assessment

• Check loan applications and the documents provided for the correctness and completeness of the information.
• Ensure compliance with the bank’s underwriting standards and the regulatory guidelines.

2. Creditworthiness Evaluation

• It is good to study the applicant by the employment history, financial position, and credit background. The applicant’s repayment capacity needs to be evaluated by using the 4 C’s of Credit – Capacity, Collateral, Capital, and Character.

3. Income Verification

• Confirm that the income sources and employment documentation correspond with the applicant’s ability to repay the debt
• Investigate the payroll, income tax returns, and bank statements for irregularities.

4. Risk Analysis

• Find all the risks that might be the part of the application of each loan.
• Deception countermeasures comprising rigorous know-your-customer due diligence techniques are here to ensure fraud finds no way to nest in borrower profiles.

5. Property Valuation Review

• Look at the property values and make sure the loan-to-value (LVR) ratios are checked.
• Make sure that property valuers meet the requirements they are set.

6. Approval or Declination of Loans

• Make decisions loaned based on facts collected and the guidelines.
• Make records of why to approve or not to approve the loans.

7. Fraud Detection

• Look for aspects within the documentation that could be considered suspicious and spot fraudulent conduct.
• Report the cases that you find suspicious to the departments of compliance or risk

8. Stakeholder Communication

• Stay informed about the commercial objectives of brokers, lenders, and other stakeholders through your communication that is clear and professional.
• Offer insights or suggestions relating to the state of the loan program.

Required Qualifications for HCLTech Mortgage Underwriter 

In order to be eligible for the HCLTech Mortgage Underwriter position, applicants should satisfy the following educational and professional criteria:

Education:

• One way or the other, a Bachelor or a Master of any field should be the degree. If not, Finance, Business Administration, commerce, or Economics, either through degree or short-term course, will be a great plus.

Experience:

• Core mortgage underwriting for a period not less than 2 years is the minimum requirement of experience.
• Working knowledge of mortgage procedures in any one of the following countries: Australia, the US, and the UK is compulsory.

Domain Expertise:

• The product of a strong grasp of mortgage guidelines in one foreign country (Australia, UK, or US) is good international market research skills.
• Knowledge of KYC, Responsible Lending Obligations, APRA, and ASIC regulations is the train of thought for the candidates from the domain of the Australian mortgage.

Skills Required for HCLTech Jobs 

If you want to be successful in this post, you should have these:

1. Analytical & Financial Assessment Skills – One should be able to break down complex data related to finances and come up with a fair credit decision.

2. Attention to Detail – The act of loan documents review, spotting the loopholes and the process of fraud are only a few facets of the precision game.

3. Time Management – It is the ability to control a big number of loan applications with very limited time that causes a headache to others.

4. Regulatory Knowledge – One should be acquainted with mortgage underwriting policies, relevant standards of compliance, and industry guidelines.

5. Communication Skills – Good oral and written communication skills help one to interact easily with brokers, lenders, and even the internal team.

6. Customer-Centric Approach – Keeping one’s professional and empathetic sides on while dealing with clients is a skill that only a few possess.

7. Technical Knowledge – An individual who is familiar with loan processing systems, software used for underwriting, and various financial tools is the right person.

8. Problem Solving Skills – One can only imagine the complexity which makes it hard for the person to solve issues in the realm of loan documentation or borrower profiles.

Benefits of Working with HCLTech

HCLTech is one of India’s largest IT and business services organizations. As a Mortgage Underwriter, you will be given the opportunity to enjoy the following listed benefits:

• Stable Employment: Be employed by a company that is globally known and is listed in the Forbes Fortune 500 list.
• Career Development: International exposure to mortgage domains, thereby opening up the opportunity of having a career in any part of the world.
• Professional Growth: Gain knowledge from industry veterans and get practical experience with high-tech mortgage underwriting procedures.
• Employee Support: Participation in wellness programs, medical insurance, and monetary support.
• Work-Life Balance: Having fixed working hours (7:00 AM – 5:00 PM IST) ensures that one can have a balanced daily life.
• Networking Opportunities: Working and associating with clients of different countries.
• Recognition & Rewards: A system that rewards and promotes based on accomplishments.

Mortgage Underwriter Job Salary 

While it is not clear from the job posting and no salary details are provided, the range of salary offered for a similar position based on various reports in Bengaluru is:

• Associate (2–3 years experience): ₹4.5 – ₹6.5 LPA
• Senior Executive (3–4 years experience): ₹6.5 – ₹9 LPA
• Other benefits might be the following: incentives, bonuses, health insurance, and allowances.

Company Overview

HCLTech is a world technology company from Noida, India, that operates in over 60 countries. HCLTech, with its global workforce of more than 225,000, provides IT and business process services that are at the leading edge of technology to sectors such as banking, healthcare, telecommunications, and retail.HCLTech is the best choice for banks, financial institutions, and mortgage firms in the area. They are the go-to company for financial technology solutions in the areas of documentation, regulation, and transformation. The HCLTech campus is the place for professionals to grow their careers in a fast-paced, international work environment.

Career Growth Opportunities at HCLTech 

Working as a Mortgage Underwriter at HCLTech is not just a job, but a stepping stone to a rewarding career path:

1. Short-Term Growth: Progress from Associate → Senior Executive → Team Lead within 2–4 years based on performance.

2. Mid-Term Opportunities: Move into managerial roles such as Underwriting Manager or Risk Assessment Manager.

3. Long-Term Prospects: Transition into leadership roles in global mortgage operations or financial services consulting.

4. Cross-Domain Exposure: Opportunities to shift into credit risk analysis, compliance, fraud detection, or operations management.

5. Global Exposure: Work with international clients, opening pathways to overseas assignments.

How to Apply for Walk-In Interview at HCLTech 

This is a Walk-in Interview at HCLTech opportunity, so no online application is required. Interested candidates can directly attend the drive with updated documents.

Walk-in Drive Details:

Location: HCL Tech, Bengaluru – Karle Tech Park, SEZ hub, Dada Mastan Layout, Nagavara, 1, Veera apalya, Karle Town, Bengaluru, Karnataka 560024

Date: Friday, 26th September & Saturday, 27th September

Time: 11:00 AM – 2:00 PM

• Documents Required: Updated Resume, Government ID Proof, Educational Certificates, Experience Letters, and Passport-size Photographs.

Interview Preparation Tips for HCLTech Walk in Interview 

Here are some practical tips to help you crack the interview:

1. Understand Mortgage Underwriting

• Brush up on the 4 C’s of Credit and Responsible Lending Obligations.
• Revise APRA and ASIC regulations for Australian mortgage underwriting.

2. Know Your Domain

• Be prepared to answer questions about mortgage processes in Australia, UK, or US.
• Practice explaining concepts like Loan-to-Value Ratio (LVR), Debt-to-Income Ratio (DTI), and fraud detection.

3. Highlight Experience

• Share specific examples of loans you have underwritten.
• Emphasize your role in risk assessment and compliance.

4. Practice Communication Skills

• Be ready for role-play scenarios involving communication with brokers or lenders.
• Keep your answers clear, concise, and customer-focused.

5. Mock Questions

• How do you handle discrepancies in loan applications?
• What red flags do you look for in financial documentation?
• How do you apply the 4 C’s of Credit in your underwriting decisions?
• How would you explain loan rejection to a broker?

6. Dress Professionally

• Opt for formal attire to create a positive impression.

FAQs For HCLTech Walk in Interview 

Q1. Who can apply for this role?

Any graduate or postgraduate with at least 2 years of mortgage underwriting experience in Australia, US, or UK domains can apply.

Q2. Is this a work-from-home role?

No, this is a Work from Office (WFO) role at HCLTech Bengaluru.

Q3. What is the shift timing?

The shift timing is 7:00 AM – 5:00 PM IST, aligning with Australian market hours.

Q4. Do I need prior Australian mortgage experience?

Yes, prior experience in Australian, UK, or US mortgage underwriting is mandatory.

Q5. What is the selection process?

The process includes document verification, technical interview, and HR interview.

Q6. Is there any application fee?

No, the walk-in interview is free of cost.

Conclusion

The HCLTech Mortgage Underwriter Walk-in Drive is a brilliant opportunity for the experienced mortgage domain professionals. Over the course of this job, you can get exposed to the international mortgage practices, enjoy stable employment and have the prospect of career advancement. Thus, if you are looking for growth in the financial services sector, this role is a terrific fit for you.By being thorough in your preparation, going over the key underwriting concepts, and showcasing your confidence, you would be able to raise your chances of securing this wonderful position.

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