Do work that matters:

The Retail Credit Decisioning (RCD) team is a GO utility function that supports Retail Banking Services (RBS) lending teams (including Third Party Banking) by making responsible credit risk decisions within the Bank’s risk appetite statement and regulatory framework following a standard credit process with the focus on enhancing the financial wellbeing of our customer’s.

RCD is responsible for the credit assessment of all retail loan applications completed within the RBS Group which are unable to be automatically assessed via the Bank’s credit scoring systems. This includes new home loan, personal loan, personal overdraft, credit card applications and variation on existing retail lending loans such as partial discharge, consents and switching requests. Additionally, all Broker originated home loan applications are assessed by the team.

See yourself in our team:

You will be 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.

You will 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.

This exciting opportunity is based in Perth.

Key responsibilities will include:

  • Effective utilisation of your PCAA delegation to make safe, sound and responsible credit decisions
  • Focusing on efficiency and exercising of delegation in rework to deliver fast quality decisions for our customers
  • Ensuring compliance within delegated authorities and internal and external compliance / audit requirements which may include adherence to government/governing body legislative policies
  • 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.

We’re interested in hearing from people who have:

  • Proven experience in the banking and finance sector preferably in Line 1 consumer lending roles from a credit assessment, policy and sales perspective.
  • Experience working in a retail credit decisioning environment.
  • Understanding of APRA, ASIC regulatory and responsible lending requirements and how this impacts policy.
  • Advanced knowledge in the analysis and income extraction of business financial statements for complex self-employed customers (company, trust and multiple entity trusts).
  • Advanced knowledge in the analysis of PAYG income documentation and valuation reports.
  • PCAA to decision ‘’Complex” Credit applications
  • Personal Credit Underwriting Authority of $5 Million.

Just some of the benefits of working within our team include:

  • Access to flexible working arrangements
  • Great team culture
  • Leadership Development Program opportunities

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: 14/09/2020

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