Credit Assessor

Last updated 10 hours ago
Job Type:Full Time

ING Customer Operations is a supportive and dynamic team delivering innovative financial lending products which are at the forefront of digital banking in Australia. The Bank currently operates in Consumer, Residential and Commercial markets. At ING Credit Assessors must be honest, prudent and responsible because they play a critical role in our lending businesses. This role will assess credit/loan applications or variations for credit cards, personal loans or mortgages.

We have multiple Credit Assessor roles available with flexible work from home options

What are you going to do? You’ll be

  • Credit and risk assessments for loan/ credit applications or variations within an allocated Delegated Lending Authority up to $2m;

  • Proactively re-package and communicate deal options to achieve the desired credit outcome;

  • Assess PAYG applications and progressing to self-employed

  • Understand credit/risk analysis, customer segments, conveyancing and banking processes;

  • Operates within the ING service delivery guidelines to ensure that all credit applications are done within the appropriate time frames and quality;

  • Provides outstanding customer service to ING Customers/ Brokers.

  • Resolve loan enquiries, appeals or complaints in a timely manner.

  • Demonstrates professional communication skills (especially over the telephone). Applies thorough attention to detail in all transactions and consistently meets internal KPIs for quality indicators (‘Moments of Truth’); and

  • Upholds all ING policies and procedures (especially ING’s underwriting guidelines, compliance and risk) to avoid unacceptable operational risk.

What are we looking for? Someone who…

  • 3-5 years recent experience in the finance industry in residential/ commercial mortgages, credit card, personal loan assessment.

  • Sound knowledge of lending practices including policy, valuations, mortgage insurance, procedures and banking regulatory requirements;

  • Strong customer service ethics and delivery focus;

  • Previously held a Delegated Lending Authority (DLA) of at least $1m if working in Residential/ Commercial areas or $60k if working in Consumer / Retail finance;

  • Mathematical and statistical analysis aptitude

  • Effective coordination and communication skills to confidently liaise with all stakeholders.

About Us

At ING, we want to make life simpler and more worthwhile – for everyone who banks with us, for the people who work with us, and the community at large, too.

When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive – it’s the kind of place where you can be yourself and make the most of whatever you have to offer.

We give people the freedom to take risks, think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered.

People of all ages, sexual orientations, cultures and backgrounds are welcome to apply – likewise if you’re an indigenous Australian, or you’re living with a disability, or you have family or caring responsibilities.

Sound like the kind of place you’d feel at home? We’d love to hear from you.

(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.)