Credit Analyst

2 weeks ago

Sydney, Australia Commonwealth Bank Full time

**See yourself in the team**

COO is undertaking a substantial transformation agenda, driving simplification, standardisation and automation of end-to-end processes to create simple and intuitive customer experiences.

As part of the Chief Operating Office, Retail Credit Decisioning (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.

**Do work that matters**

This role will see you responsible for the assessment and final decisions for secured and unsecured Consumer Credit referrals. These will be received via the Proprietary and/or Third Party Channel.

The objective of this role is to ensure accurate and effective credit decisions are made in a consistent, efficient and timely manner and to deliver excellent customer service. This will be achieved through the adherence to Sales and Service strategies, Risk policies and procedures, support and active commitment to the credit training and your development, including active participation in cultivating positive behaviours and supportive language.

**To be successful in this role, some of the broad roles and responsibilities may include**:
The objective of this role is to ensure accurate and effective credit decisions are made in a consistent, efficient and timely manner to deliver excellent customer service. This will be achieved through the adherence to Sales and Service strategies, Risk policies and procedures, support and active commitment to the credit training and your development, including active participation in cultivating positive behaviours and supportive language.
- 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 the following**:

- Experience working in a retail credit environment
- Experience of the Bank’s home loan origination process (including knowledge of CommSee Home Loans (CHL), CommSee Top Ups (CTU) and CommSee Home Loan Maintenance (CHLM).
- A good understanding of Bank’s credit policy and how it is applied.

**Working with us**

We support our people with the flexibility to balance where work is done with **at least half their time each month connecting in office**. We also have many other flexible working options available including changing start and finish times, part-time arrangements and job share to name a few. Talk to us about how these arrangements might work in the role you’re interested in.

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Advertising End Date: 02/07/2025

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