What are the responsibilities and job description for the Retail Credit Manager position at Commonwealth Bank of Australia?
Bankwest has a rich heritage. We’re proud to be part of the fabric of Western Australia with a strong culture built on local support. We’ve always been innovative, evolving over time to look after a growing regional market and seeking out new customers. With the support of a strong partner in CBA, we share a belief in the value of our brand, our potential for growth and a big aspirational Vision.
The Retail Credit Team is a Retail Lending Operations utility function supporting Bankwest. Credit underwriters are responsible for the assessment and decisioning of all Retail lending products and retail home loan maintenance requests.
Do work that matters: The team is committed in its delivery of timely, efficient service with focus on our customers to ensure their needs are met and exceeded, whilst acting within the Risk Management framework of the Group. This will be achieved by adherence to internal strategies, risk policies and procedures, support and active commitment to the credit training / up-skilling and on-going personal development, including active participation in cultivating positive behaviours and supportive language.
Your Responsibilities:
Full understanding of and superior ability to discuss a wide array of retail lending policies and processes across all Retail products and scenarios.
Ability to think laterally and apply a fair, balanced assessment to each decision within your personal authority.
Superior effectiveness in delivering credit assessments and issuance of advice in a manner that educates and influences our whole lending culture.
Proactive identification of and participation in continuous improvement initiatives.
Participate in ongoing training and accreditation activities to maintain status as a subject matter expert in lending.
Report all operational risk events, compliance and occupational health and safety breaches or potential events and breaches.
Personal authority includes a wide array of allowances and exceptions to standard policy, this includes but is not limited to items such as use of foreign income, self-employed income and LMI waivers.
We're interested in hearing from people who possess a combination of the below:
Strong understanding of retail lending policy and processes
Sound PC skills and strong knowledge of CBS, Lendnet, CPS is required
Strong negotiation and presentation skills
Knowledge of Consumer Credit Code; Code of Banking Practice, Code of Conduct/Ethics
Extensive knowledge of Banking products and services, processes and procedures
Previous experience is desirable but not essential
We are proud of our fun and inclusive culture and enjoyable working environment.
Whether you're passionate about customer service, driven by data, or called by creativity, a career here is for you.
Our people bring their diverse backgrounds and unique perspectives to build a respectful, inclusive and flexible workplace. One where we're driven by our values, and supported to share ideas, initiatives, and energy. One where making a positive impact for customers, communities and each other is part of our every day.
Here, you'll thrive. You'll be supported when faced with challenges, and empowered to tackle new opportunities. We really love working here, and we think you will too.
We're determined to make a real difference for Australia's first peoples. We encourage all interested applicants to apply.
If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), 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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