Loan Analyst

Walkin Drive at HCL Tech Hyderabad - Consumer Lending & US Mortgage

Time and Venue

28th February , 10.00 AM - 1.00 PM

HCLTech office, Phoenix Avance Business Hub, Building H08, Phase 2, HITEC City, Hyderabad, Telangana 500081

Process: Consumer Loan Application review (Auto Loans)

Job Location : Hyderabad, India

Experience: 3 to 12years

Please note that immediate to 30days notice period candidates will be preferred.

1:

The process is part of the Consumer Loan application review , and it involves Back-office operations review and analysis of data and Auto Loan documents.

Responsibilities:

• Maintain a working knowledge of product-level requirements, loan limits, and other policy details for auto loans (all channels), credit cards, personal loans and lines of credit, and deposit accounts.
• Monitor various application queues to ensure applications are advanced through the consumer application origination process.
• Analyze and review documentation related to consumer applications with an emphasis on accuracy, legitimacy, and completeness of required documentation.
• Review documentation and clear stipulations as it pertains to Customer Identification Program (CIP).
• Review loan packets for completion and compliance prior to sending for loan disbursal.

• Clear any prior-to-fund conditions before passing application to funding.
• Maintain a working knowledge of current consumer application fraud trends, leveraging internal tools and resources to review applications for potential fraud, especially as it pertains to document review.

Job requires:

• Good written and oral communication skills in English.
• Minimum of one (1) year of experience in financial services or one (1) year of experience in a funding or processing role, is required.
• Good knowledge of Banking and Lending principles
• Good Analytical skills and Logical reasoning
• Should be a team player with good interpersonal skills
• Diploma required

2:

Process: Appraisal Order (Home Equity)

Job Location : Hyderabad, India

Experience: 3 to 12years

Please note that immediate to 30days notice period candidates will be preferred.

Position Overview

The Home Equity Appraisal Coordinator is responsible for managing the full appraisal workflow for Home Equity loan products. This includes determining the correct appraisal type, placing and tracking orders with Appraisal Management Companies (AMCs), verifying documentation, and maintaining accurate and compliant appraisal records. The ideal candidate has strong organizational skills, works independently, and brings prior experience handling Home Equityappraisal orders.

Home Equity Appraisal Management:

• Review Home Equity loan files to determine the appropriate appraisal product (AVM, exterior-only, full appraisal, etc.).
• Submit appraisal requests to the appropriate Appraisal Management Company (AMC) based on product type and lender guidelines.
• Manage and monitor the flow of all Home Equity appraisal orders to ensure compliance with expected turn times.
• Communicate proactively with AMCs, appraisers, and internal Home Equity teams to resolve issues or delays.

Documentation & Data Management:

• Verify that all required documents needed for each appraisal are received accurately and completely.
• Input and maintain data from completed appraisal reports.
• Manage data received from third party vendors to ensure accuracy and compliance.
• Maintain organized, accurate, and upto date appraisal file records.

Skills & Competencies:

Ability to work independently and manage multiple Home Equity orders at once.

Strong time management and ability to meet tight deadlines.

Exceptional accuracy and attention to detail.

Dependable, organized, and committed to high integrity and confidentiality.

Proficient in Excel, Outlook, and Word.

Strong verbal and written communication skills.

Education & Experience:

• Prior experience of ordering and managing Home Equity appraisals is required.
• Leadership experience (team lead, coordination, or process oversight).

Experience in mortgage, lending, real estate