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Credit Variations Analyst

Commonwealth Bank - Sydney, NSW

Banking & Finance
Source: uWorkin


Do Work That Matters

The Retail Credit Decisioning (RCD) team is a GO 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, Personal Overdrafts and Credit Cards. Additionally, all Broker originated home loan and Credit Variation applications are referred to the team.

As part of the Group 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 Group Lending Services (GLS) who complete fulfilment for approved applications approved.

Credit Variations-This team is responsible for assessing requests to vary the security position of existing home loan facilities.

As 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 Responsibilities

  • 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.
  • 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.
  • 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.
  • Management of financial and business costs that you are directly involved with, adhering to guidelines and/or directions. This may include such items as general expenses, gifts and entertainment register notification and/or stationary and store requirements.

We're Interested In Hearing From People Who Have
  • 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).
  • Strong understanding of Bank’s credit policy and how it is applied.
  • Experience in stakeholder management
  • Results orientation and commitment to excellence
  • Professional presentation and time management skills
  • Industry related tertiary qualifications are an advantage but not mandatory
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: 26/06/2021