Job Description

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Credit Assessor

Advertiser: ING3.6 out of 53.6 overall rating (59 employee reviews) More jobs from this company

Job Information

Job Listing Date
3 Dec 2019
Location
Gosford & Central Coast
Work Type
Full Time
Classification
Banking & Financial Services, Credit

Credit Assessor

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 variations for mortgage credit/loan applications.

 

What are you going to do?

  • Assessing Credit Risk for mortgage loan applications or variations within an allocated Delegated Lending Authority up to $2m;
  • Proactively re-packaging and communicating deal options to achieve the desired credit outcome;
  • Understanding credit/risk analysis, customer segments, conveyancing and banking processes;
  • Operating within the ING service delivery guidelines to ensure that all credit applications are done within the appropriate time frames and quality;
  • Providing outstanding customer service to ING Customers/ Brokers. Resolving loan enquiries, appeals or complaints in a timely manner. Demonstrating professional communication skills (especially over the telephone).
  • Applying thorough attention to detail in all transactions and consistently meeting internal KPIs for quality indicators (‘Moments of Truth’); and
  • Upholding 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 possess:

  • 2-3 years’ recent experience in the finance industry in credit assessment of residential/ commercial mortgages;
  • Sound knowledge of lending practices including policy, valuations, mortgage insurance, procedures and banking regulatory requirements;
  • Strong customer service ethics and delivery focus;
  • Delegated Lending Authority (DLA) of at least $500k AUD if working in Residential/ Commercial areas;
  • Mathematical and statistical analysis aptitude; and
  • Effective coordination and communication skills to confidently liaise with all stakeholders.

 

About Us

 

At ING in Australia, 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.)

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 variations for mortgage credit/loan applications.

 

What are you going to do?

  • Assessing Credit Risk for mortgage loan applications or variations within an allocated Delegated Lending Authority up to $2m;
  • Proactively re-packaging and communicating deal options to achieve the desired credit outcome;
  • Understanding credit/risk analysis, customer segments, conveyancing and banking processes;
  • Operating within the ING service delivery guidelines to ensure that all credit applications are done within the appropriate time frames and quality;
  • Providing outstanding customer service to ING Customers/ Brokers. Resolving loan enquiries, appeals or complaints in a timely manner. Demonstrating professional communication skills (especially over the telephone).
  • Applying thorough attention to detail in all transactions and consistently meeting internal KPIs for quality indicators (‘Moments of Truth’); and
  • Upholding 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 possess:

  • 2-3 years’ recent experience in the finance industry in credit assessment of residential/ commercial mortgages;
  • Sound knowledge of lending practices including policy, valuations, mortgage insurance, procedures and banking regulatory requirements;
  • Strong customer service ethics and delivery focus;
  • Delegated Lending Authority (DLA) of at least $500k AUD if working in Residential/ Commercial areas;
  • Mathematical and statistical analysis aptitude; and
  • Effective coordination and communication skills to confidently liaise with all stakeholders.

 

About Us

 

At ING in Australia, 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.)

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