Credit Risk Analyst

7 days ago

Sydney, New South Wales, Australia CommBank Full time
About the Role

We are seeking a highly skilled Credit Risk Analyst to join our Retail Credit Decisioning (RCD) team at CommBank. As a key member of our team, you will be responsible for assessing and making final decisions on secured and consumer finance credit referrals.

Key Responsibilities
  • Assess and make final decisions on secured and consumer finance credit referrals received via proprietary and/or third-party channels.
  • Ensure accurate and effective credit decisions are made in a consistent, efficient, and timely manner.
  • Deliver excellent customer service by adhering to risk policies and procedures, and actively participating in credit training and development.
  • Perform tasks such as effective utilisation of PCAA delegation, focus on efficiency, and exercising of delegation in rework to deliver fast quality decisions for customers.
  • Identify Continuous Improvement opportunities to simplify business and improve outcomes for customers.
  • Ensure compliance within delegated authorities and internal and external compliance/audit requirements.
  • Taking a values-based approach and building trust within teams.
  • Professional clear and concise communication with key stakeholders, including lenders, brokers, and customers.
  • Delivering on RCD Strategic priorities and business line partner priorities.
  • Responsible for the timely and accurate assessment of allocated New Business and Credit Variation applications within service level agreement.
  • Support the leadership team within RCD, including the completion of Team Manager reliefs when required.
Requirements
  • Industry-related tertiary qualifications are an advantage but not mandatory.
  • PCAA to decision 'Complex' Credit applications.
  • Personal Credit Underwriting Authority of $5 Million.
  • Understanding of APRA, ASIC regulatory, and responsible lending requirements and how this impacts policy.
  • Advanced knowledge in the analysis and income extraction of business financial statements for complex self-employed customers.
  • Advanced knowledge in the analysis of PAYG income documentation and valuation reports.
  • Excellent understanding of retail lending policies, processes, and procedures and application of these when completing loan verification at origination.

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