Senior Credit AnalystCommonwealth Bank of Australia Perth, AustraliaSee yourself in the team:The Chief Operating Office (COO) 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.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.The RCD team supports and provides advice to all retail points of sale, Branch, Direct Banking, Third Party Banking and Premium Banking. The work completed by RCD directly impacts and affects other Retail Operations teams who complete fulfilment for approved applications.As a Senior 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.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 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.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 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.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 stationery and store requirements.We are interested in hearing from people who:Industry-related tertiary qualifications are an advantage but not mandatory.Personal Credit Underwriting Authority to decision credit applications.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.Capability in assessing complex company, multi-entity trust deals with full financial assessment.Risk Mindset - All CommBank employees are expected to proactively identify and understand, openly discuss and act on current and future risks.
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