Credit Review Officer

We’re on a digital transformation journey at ING and are looking for creative and passionate individuals who want to help us uplift customer experience and drive excellence. 

An exciting new position is now available for a skilled Credit Review Officer to join our Mortgage Operations, Centre of Excellence Risk & Obligations team.

As a Credit Review Officer, you’ll be responsible for setting up, creating and embedding a superior credit risk management framework encompassing new originations policy, and portfolio management across retail portfolios - Mortgages, Cards, Personal Loans & SME loans. You’ll provide assurance on the appropriateness and effectiveness of the Retail Credit Risk controls in place to originate and manage the Bank's retail loan portfolio.

This role sits in the 1st line risk space and supports the monitoring of Delegated Lending Authorities across portfolios. You’ll play a key role in improving our lending processes and will be expected to provide feedback on enhancing policies to optimise the credit underwriting processes while managing risk.

This is a permanent position that can be based in either Sydney or Wyong.

What you’ll do

• Review files for adherence to policy, underwriting guidelines and the quality of exception and deviation approvals.
• Help design a risk-based sampling strategy to ensure maximum coverage of high-risk areas related to Mortgages, Cards, Personal Loans & SME Loans.
• Line 1 report production – capture data and population of credit hindsight reporting (individual credit analysts and reporting summary reporting for lending operations).
• Participate and provide support in activities related to credit review outcomes i.e. Data gathering for SOX testing.

What we’re looking for

• Experience in a similar role with a focus on credit risk review or as a Senior Credit Assessor within financial services is ideal. 
• Currently or previously held a DLA (Delegated Lending Authority) or equivalent within residential mortgages (preferred) or within consumer lending.
• A high attention to detail and excellent critical thinking skills.
• The ability to communicate with stakeholders at different levels and manage relationships effectively.
• Strong time management and organisational skills to work both autonomously and cohesively as part of a wider team.

What’s in it for you?

• Drop everything and learn with over 16,000 professional and personal development courses to choose from
• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

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 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. 

We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.  

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.) 

Need more?
Contact Sabrina Huynh, Sabrina.huynh@ing.com

Applications close Monday, the 9th of June.

Still in two minds?

At ING, we celebrate diversity and innovation. Research shows that 60% of women and underrepresented groups may hesitate at this stage, even after starting their application. Don’t miss out on the chance to bring your unique spark to our team - hit submit now! Your fresh perspective is what we’re all about.

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