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The Retail Credit Decisioning (RCD) team is a Group Operations 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. This Credit Verifications team is responsible for assessing requests to vary the security position of existing home loan facilities.
See yourself in our team
Reporting to the Team Manager Credit Variations, 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 the 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 team work. Effective use of all resources available within Credit Services Nationally will be utilised to achieve optimum team results.
Key responsibilities will include:
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 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
Capability in assessing complex company, multi entity trust deals with full financial assessment
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.