Credit Analyst

Your BusinessChief 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.Within Chief Operating Office (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.Your TeamThe 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 Operations Team, 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 Chief Operating Office who complete fulfilment for approved applications approved.Your Reporting LinesAs a 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.The role will report directly to the Team Manager Credit Variations.Your ResponsibilitiesReporting to the Team Manager Credit Services, 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.The role will work closely with all business partners, internal and external as there is a strong reliance on collaboration and teamwork. Effective use of all resources available within Credit Services Nationally will be utilised to achieve optimum team results.Your Skills, Experience & QualificationsExperience 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).Strong understanding of Bank’s credit policy and how it is applied.Experience in stakeholder management.Results orientation and commitment to excellenceProfessional presentation and time management skillsIndustry related tertiary qualifications are an advantage but not mandatory​.Your DevelopmentIf 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 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: 09/04/2024