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Senior Credit Analyst

Commonwealth Bank of Australia Sydney, Australia
Posted 6 days ago Permanent Competitive
Senior Credit Analyst
Your Business

Chief Operating Office (COO) is responsible for the world leading operations across every aspect of CommBank, from innovative product platforms for our customers to essential tools within our business. We also use technology to drive efficient and timely processing, an essential component of great customer service.

COO is the engine room of the CBA Group, driving the processes that deliver products and services to our customers. If you have taken out a home loan, opened a CommSec account, used an ATM, applied for a credit card, or made an international funds transfer, then you have interacted with one of the many aspects of COO.

COO is undertaking a substantial transformation agenda, driving simplification, standardisation and automation of end-to-end processes to create simple and intuitive customer experiences. COO is building digital capabilities and driving structural industry change to support future innovation.

See yourself in the team:

The Retail Credit Decisioning (RCD) team is a COO utility function that supports Retail Banking Services (RBS) to deliver customer service and is focused on meeting the financial needs of retail customers.

RCD responsible for all retail loan applications referred from the Bank's credit scoring systems across Home Loans, Personal Loans, and Credit Cards. Additionally, all Broker originated home loan and Credit Variation applications are referred to the team.

As part of the Chief Operating Office, RCD is responsible for making quality credit risk decisions, within the Bank's risk appetite statement, following a standard credit process in a timely and efficient manner.

The RCD team supports and provides advice to all retail points of sale, Branch, Direct Banking, Third Party Banking and Premium Banking. And the work completed by RCD directly impacts and affects other RO teams who complete fulfilment for approved applications approved.

Your Reporting Lines

As a Senior Credit Analyst within Credit Variations, it is your responsibility to ensure that you are supporting and working in a cohesive, flexible and supportive way to deliver timely decisions in line with business requirements.

Your path looks like:

The role will work closely with all business partners, internal and external as there is a strong reliance on collaboration and team work. Effective use of all resources available within Credit Services Nationally will be utilised to achieve optimum team results.
  • Ensure you understand the contributions to the business and profit, ensuring quality and responsible credit risk decisions are made in a consistent manner in line with the strategic direction of the organisation.
  • Ensure compliance within delegated authorities and internal and external compliance / audit requirements which may include adherence to government/governing body legislative policies.
  • Adherence to the guidelines established within your personal PCAA delegation.
  • Act within the Group Risk framework of CBA
  • Ensure policy, systems, tools and procedures are in line with RBS Risk Management expectations, thereby ensuring optimal execution of credit risk management strategies and adherence to credit competency guidelines

We're interested in hearing from people who possess:
  • Experience working in a retail credit environment
  • Experience of the Bank's home loan origination process
  • Strong understanding of Bank's credit policy and how it is applied.
  • Experience in stakeholder management
  • Capability in assessing complex company, multi entity trust deals with full financial assessment

Your Development

If you live the values and demonstrate the people capabilities, we can offer great opportunities. Whether you want to move across the organisation or up into a senior leadership role, the ways you live the values and demonstrate the people capabilities are key. Use the capabilities required for this role as a guide to the critical skills and behaviours you need for your next move.

If this sounds like you, APPLY TODAY !

If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We're keen to support you with the next step in your career.

We're aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696.

Advertising End Date: 19/07/2024
Job ID  REQ212988
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