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Credit Analyst

Commonwealth Bank - Brisbane City, QLD

Banking & Finance
Source: uWorkin


Full Job Description
Do work that matters:
Location: Queensland, Western Australian and New South Wales.

Enterprise Services (ES) is responsible for the world leading application of technology and 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.

Reporting to the Team Manager Credit Services, this role will see you responsible for the assessment and final decisions for Secured and Consumer Finance credit referrals. These will be received via the Proprietary and/or Third Party Channels.

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 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.

A thorough understanding of the Group Risk framework, practices and policies will be critical and understanding how these apply to the operational team for support and ongoing management will be expected.

Your responsibilities:
Effective utilisation of your PCAA delegation to make safe, sound and responsible credit decisions.

Focus on efficiency and exercising of delegation in rework to deliver fast quality decisions for our customers.

Use consistency and good judgement with the application of policy when assessing applications to driving good customer focus outcomes.

Identify Continuous Improvement opportunities to simplify our business and to improve outcomes for our customers.

Delivering safe and customer focused, financial outcomes for the Group.

Ensure compliance within delegated authorities and internal and external compliance / audit requirements which may include adherence to government/governing body legislative policies.

Taking a values based approach and building trust within our teams.

Professional clear and concise communication with key stakeholders (lenders, brokers and customers) with the ability to build rapport with these stakeholders.

Delivering on the RCD Strategic priorities plus business line partner priorities which includes outbound calls to the lending network in line with our service offering.

Responsible for the timely and accurate assessment of allocated New Business and Credit Variation applications within service level agreement.

Apply CBA’s people management criteria to effectively manage such issues as Occupational health and safety, recruiting, on-boarding of new staff. Adhere to the Code of Conduct . The Code of Conduct sets the standards of behaviour, actions and decisions we expect from our people.

We're interested in hearing from people who have:
Risk Mindset -All CommBank employees are expected to proactively identify and understand, openly discuss and act on current and future risks.

Demonstrated strategic thinking with the ability to make safe, sound and secure decisions whilst exercising commercial acumen

Customer centric approach when considering rework and application conditions.

Ability to think “outside the box” while maintaining an unbiased, risk and analytically driven assessment of alternate options when decisioning applications.

Has high attention to detail and an inherent desire to provide excellent customer service.

Proven experience in the banking and finance sector preferably in a Line 1 consumer lending roles from a credit assessment, policy and sales perspective.

Preferred experience working in a retail credit decisioning environment.

Understanding of APRA, ASIC regulatory and Responsible Lending requirements and how this impacts policy.

Extensive knowledge in the analysis of PAYG income documentation and valuation reports.

Solid understanding of the retail lending policies, processes and procedures and application of these when completing loan verification at origination.

Ability to easily grasp complex transactions and analyse the benefits of the idea of specific client circumstances.

Self-motivated and proactive, able to look for issues, not simply react to them.

Excellent written and oral communication skills.

Preferred understanding / experience of CBA systems (including knowledge of CommSee Home Loans , CommSee Top Ups and CommSee Home Loan Maintenance.

Professional presentation and time management skills

Industry related tertiary qualifications are an advantage but not mandatory

Personal Credit Underwriting Authority of $2 Million

Your path looks like

If 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 leadership role, the way 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 you're already part of the Commonwealth Bank Group (including Bankwest), you'll need to apply through Sidekick to submit a valid application. We’re keen to support you with the next step in your career.

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Advertising End Date: 10/06/2021