AddressAbout the role
We are rapidly expanding our offering across more markets nationally through multiple channels, be they digital, physical or mobile. As a Credit Assessor, not only will you be joining a team of high performing credit professionals, but you will also ensure our lending teams, regardless of geographic location or channel, are fully supported to deliver the best experience to all our members.
In this role, you will be responsible for making complex risk-based decisions on loan applications (Home Loans and Personal Loans) and providing recommendations to enhance our lending processes and credit policy. You will play a critical role in building and maintaining relationships with our lending teams and providing advice and guidance on credit risk, lending, lending responsibly and credit policy.
Key responsibilities include:
- Assessing all referred loan applications, making complex risk-based decisions within agreed service offerings
- Demonstrating compliance with policies and procedures to effectively operate within People First Bank's risk appetite set by the Board
- Exercising a personal Delegated Lending Authority with care and diligence and conduct assessments and formulate recommendations for loan applications
- Establishing and maintaining business relationships with our Lending Teams and other Stakeholders as required
- Providing advice and guidance on credit risk, lending, lending responsibly and policy to other Credit Assessors and Lending Teams
- Reviewing loan applications and complex scenarios with Lenders to structure loans, mitigate risks and to lend responsibly
- Collaborating on loan applications with lenders on the credit worthiness of an application
- Reviewing completed financial analysis for self-employed and complex structures that relate to loan applications
- Ensuring policy and sound lending practices are applied consistently to minimise exposure to lending losses.
- Providing feedback on policy and processes, and make suggestions for improvement
- Maintaining knowledge of policies and procedures relevant to your position including keeping up to date with communications and assigned learning
What do I need?
Ideally, you'll have extensive experience working in credit, whether it be in a decisioning capacity or a role with a strong focus on credit risk assessment. Your strong assessment skills, comprehensive lending knowledge and understanding of risk appetite will assist you in analysing complex home loan and personal loan applications, including complex structures and self-employed applicants.
Additionally, your experience in exercising a high delegation of authority, along with a strong understanding of contemporary retail banking and lending practices, will set you apart from the crowd. We're looking for someone with an impeccable eye for detail, who takes pride in driving high performing outcomes through superior service.
Benefits of working for us
We believe the little extras can make a big difference in supporting your success. That's why we offer great incentives and benefits including:
- Extensive range of financial and lifestyle benefits
- Work from anywhere philosophy with the flexibility to work from home and in the office
- Career development opportunities, and ongoing training, coaching and support
- A dedicated Employee Assistance Program for you and your family to access in times of need
- Paid volunteering days and access to a diverse range of community and charitable initiatives
If you like what you've read and we sound like a good fit, we'd love to hear from you - click on the apply button now. Submit your application, including a cover letter and current resume by Friday, 31 May 2024 .
We are committed to diversity and inclusion and support candidate requests for adjustments to accommodate disability, illness or injury, to enable everyone to equitably participate in our selection process.
