Credit Review Officer

REQ-10095671
- 25/05/2025
- Financial Risk
- Sydney, Australië- ING Bank

We’re on a digital transformation journey at ING and are looking for creative and passionate individuals who want to help us uplift customer eperience and drive ecellence.

An eciting new position is now available for a skilled **Credit Review Officer**to join our **Mortgage Operations, Centre of Ecellence Risk & Obligations team.**

As a Credit Review Officer, you’ll be responsible for setting up, creating and embedding a superior credit risk management framework encompassing new originations policy, and portfolio management across retail portfolios - Mortgages, Cards, Personal Loans & SME loans. You’ll provide assurance on the appropriateness and effectiveness of the Retail Credit Risk controls in place to originate and manage the Bank's retail loan portfolio.

This role sits in the 1st line risk space and supports the monitoring of Delegated Lending Authorities across portfolios. You’ll play a key role in improving our lending processes and will be epected to provide feedback on enhancing policies to optimise the credit underwriting processes while managing risk.

This is a **permanent** position that can be based in either **Sydney or Wyong.**

**What you’ll do**

Review files for adherence to policy, underwriting guidelines and the quality of e
- ception and deviation approvals. Help design a risk-based sampling strategy to ensure ma
- imum coverage of high-risk areas related to Mortgages, Cards, Personal Loans & SME Loans.
- Line 1 report production - capture data and population of credit hindsight reporting (individual credit analysts and reporting summary reporting for lending operations). Participate and provide support in activities related to credit review outcomes i.e. Data gathering for SO
- testing.

**What we’re looking for**

E
- perience in a similar role with a focus on credit risk review or as a Senior Credit Assessor within financial services is ideal.
- Currently or previously held a DLA (Delegated Lending Authority) or equivalent within residential mortgages (preferred) or within consumer lending.A high attention to detail and e
- cellent critical thinking skills.
- The ability to communicate with stakeholders at different levels and manage relationships effectively.
- Strong time management and organisational skills to work both autonomously and cohesively as part of a wider team.

**What’s in it for you?**
- Drop everything and learn with over 16,000 professional and personal development courses to choose from
- Discounted ING Health Insurance
- An additional Rest Day to support your wellbeing
- An IMPACT day to volunteer on approved sustainability activity

**About Us**

At ING, we want to make life simpler and more worthwhile - for everyone who banks with us, for the people who work with us, and the community at large, too.

When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive - it’s the kind of place where you can be yourself and make the most of whatever you have to offer.

We give people the freedom to think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered.

We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.

Sound like the kind of place you’d feel at home? We’d love to hear from you.

(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.)

**Need more?**

Applications close Monday, the 9th of June.

**Still in two minds?**
- #LI-DNI
- Your place of work

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Questions? Just ask
ING Recruitment team
- Bij ING willen we het beste uit mensen halen. Daarom hebben we een inclusieve cultuur waarin iedereen de kans krijgt om te groeien en een verschil te maken voor onze klanten en de samenleving. Diversiteit, gelijkheid en inclusie staan bij ons altijd voorop. We behan iedereen eerlijk, ongeacht leeftijd, geslacht, genderidentiteit, culturele achtergrond, ervaring, geloof, ras, etniciteit, beperking, gezinssituatie, seksuele geaardheid, sociale afkomst of wat dan ook. Heb je hulp nodig of kunnen we iets voor je doen tijdens je sollicitatie of gesprek? Neem dan contact op met de recruiter die bij de vacature vermeld staat. We werken graag samen met jou om het proces eerlijk en toegankelijk te maken. Lees hier meer over hoe wij staan voor diversiteit, inclusie en erbij horen.