About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About The Role

Credit Assessment Officers at ANZ are an integral part of how we deliver our purpose of shaping a world where people and communities thrive. Join the supportive and collaborative Home Loan Assessment Team and put your well-balanced judgement and communication skills to good use - helping to assist customers in their home ownership journey while ensuring that banking with ANZ is accessible, simple and easy.

You will be conducting credit assessment of home loan applications lodged through the third-party broker and ANZ mobile lending channels within agreed Service Level Agreements (SLAs) and alongside other passionate ANZ employees.

You will assess applications in line with ANZ's policies and regulatory obligations and may exercise judgement via a delegated credit authority

Banking is changing and we're changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you'll be building your future, while helping to build ours.

Role Type: Permanent

Role Location: Manyata Tech Park, Bengaluru

Work Hours: 5.00 am - 2.00 pm

What will your day look like

As a Credit Assessment Officer, you are accountable for

Applying lending/credit policy, product guidelines, and in some instances exercising sound judgement, assessing a home loan application's credit worthiness
Adhering to Group Credit Policy and complying to all relevant legislation on our responsible lending obligations (e.g. the NCCP Act and Banking Code of Practice) to achieve a balance on risk and (revenue) reward
Analysing and reviewing customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated
Ensuring due process is followed so non-financial and operational risks are managed well

What will you bring

To grow and be successful with the role:

Demonstrable experience in Banking/ Financial services industry and a good understanding of retail/commercial products
Extensive hands-on experience in underwriting in Home Loan/Small Business Loans for PAYG, Self Employed customers including complex business structures
CAD (Credit Approval Discretion) or equivalent delegation is an advantage
Strong verbal and written communication skills – ability to foster positive interactions with internal and external parties, workshop, enquire and negotiate effectively resulting in a positive customer experience
Problem solving and analytic skills and an eye for detail is required as well as an ability to determine when issues require escalation

You're not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we'd love to hear from you.

So why join us (Bengaluru GCC)

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong.

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/ . You can apply for this role by visiting ANZ Careers and searching for reference number 90879.

Job Posting End Date

02/04/2025 , 11.59pm, (Melbourne Australia)

Credit Assessment Officer- HLA