Job Description

Job Title:

Credit Officer (Mortgage & Lending)

Location:

Mohali

:

We are seeking a dedicated and detail-oriented

Credit Officer with strong experience in Mortgage and Lending

to join our client's team. The Credit Officer will play a pivotal role in evaluating mortgage and lending credit applications, conducting credit checks, and ensuring compliance with internal credit policies and international lending standards.

Key Responsibilities:

Credit Evaluation:

Assess the creditworthiness of customers specifically for

mortgage and lending products

by analyzing financial information, credit reports, income documents, and payment histories. Make informed credit decisions in line with mortgage underwriting guidelines.

Credit Analysis:

Conduct detailed analysis of

mortgage and loan applications

, including review of financial statements, bank records, income verification, assets, liabilities, and credit reports. Identify risks and recommend appropriate credit limits, loan terms, and conditions.

Mortgage & Lending Expertise:

Review and analyze

home loans, mortgage files, refinancing, and other lending products

as per international mortgage guidelines. Ensure accuracy and completeness of mortgage documentation and credit files.

Customer Interaction:

Communicate with customers or internal teams to gather missing information, clarify application details, and resolve credit-related queries. Support negotiation of credit terms when required.

Credit Policy & Compliance:

Ensure adherence to company credit policies, mortgage lending regulations, and applicable legal and compliance standards. Maintain compliance with international lending norms and quality benchmarks.

Documentation & Record-Keeping:

Maintain accurate and up-to-date records of mortgage credit applications, approvals, and related documentation.

Risk Mitigation:

Identify potential credit risks in mortgage and lending cases and provide recommendations to minimize exposure while supporting business goals.

Collaboration:

Work closely with underwriting, sales, operations, and finance teams to resolve credit issues and support smooth loan processing.

Qualifications & Skills:

Bachelor's degree in

Finance, Accounting, Business Administration

, or a related field.

Minimum 3+ years of experience in Mortgage Credit Analysis, Lending, or Credit Evaluation

within the financial services or international process domain. Strong understanding of

mortgage underwriting, lending products, credit risk assessment, and financial analysis

. Knowledge of credit laws, lending regulations, and compliance standards. Excellent analytical, communication, and negotiation skills. Proficiency in credit evaluation tools, mortgage systems, and financial software. High attention to detail and ability to meet strict deadlines.

Additional Information:

This role may require interaction with customers, internal stakeholders, or external agencies for mortgage and lending-related verifications. Strong organizational skills and accuracy are essential for success in this role.

Interested Candidates Can Contact @9041511444/9888923477 or can share their CV's via WhatsApp

Job Type: Full-time

Pay: ₹40,000.00 - ₹50,000.00 per month

Work Location: In person