Job description

Job Description

Credit Review (Retail) is responsible for conducting a detailed credit analysis based on information furnished by the borrower, publicly available information, the lender's evaluation of the borrower's credit needs, and the ability to pay across a range of products against credit standards set by the organization. The Credit Review / Underwriting focus specializes in performing credit reviews of loan portfolios. May identify underwriting weaknesses and suggest changes. Develops, maintains, and evaluates portfolios for compliance to firm-wide or business unit policies and regulations. May involve credit underwriting skills and wealth management responsibilities.

Job Description for Credit Reviewer

•    Prepare, review, analyze and make recommendations for mortgage applications (including new, restructures and others)

•    Liaise with stakeholders  (including Sales staff, mortgage relations staff, Credit Operation staff) for documentations and rectifications.  

•    Compliance and documentation checks on mortgage applications

•    Review property valuation reports

•    Credit evaluation and follow up on post disbursement issues, other miscellaneous requests.

Qualifications/requirements

• Minimum 1-2 years of banking experience (preferably in mortgages)
• Aptitude in software programs and well verse in Microsoft programs especially Excel and PowerPoint
• Knowledgeable in real estate industry, real estate current affairs and economic outlook
• Conversant in real estate and mortgage loans regulations
• Good credit analytical skills, meticulous and attentive to details
• Good written and verbal communication skills
• Good attitude and interpersonal skills, able to interact professionally and manage objections effectively
• Able to work independently, fast learner and able to work as a team.

Additional Requirements