2 Commercial Products Jobs

At ANZ, we are dedicated to shaping a world where people and communities thrive, with a shared mission of enhancing the financial wellbeing and sustainability of our vast customer base. Join the Home Loan Assessment Team as a Credit Assessment Officer, a crucial role in our pursuit of creating a world where individuals and communities flourish. Utilize your well-balanced judgment and communication skills to assist customers on their home ownership journey, ensuring that banking with ANZ remains accessible, convenient, and straightforward. Your responsibilities will include conducting credit assessments for home loan applications received through third-party brokers and ANZ mobile lending channels within agreed Service Level Agreements (SLAs), in collaboration with other passionate ANZ team members. You will evaluate applications in alignment with ANZ's policies and regulatory obligations, potentially exercising judgment through a delegated credit authority. As the banking landscape evolves, we are evolving alongside it, offering our employees opportunities to explore new avenues, learn, and progress. Regardless of your role at ANZ, you will be shaping your future while contributing to our collective growth. This is a permanent role located at Manyata Tech Park, Bengaluru, with work hours from 5.00 am to 2.00 pm. Your daily tasks will involve: - Applying lending/credit policy and product guidelines, while assessing the creditworthiness of home loan applications - Adhering to Group Credit Policy and regulatory requirements to achieve a balanced approach towards risk and reward - Analyzing and reviewing customer requests by thoroughly gathering relevant information and investigating all available sources - Ensuring due process is followed to effectively manage non-financial and operational risks To excel in this role, you should have: - Demonstrable experience in the Banking/Financial services industry with a solid understanding of retail/commercial products - Preferably possess CAD (Credit Approval Discretion) or equivalent delegation - Strong verbal and written communication skills to engage positively with internal and external stakeholders - Problem-solving abilities, analytical skills, attention to detail, and the capability to identify issues requiring escalation While having all the mentioned skills is not mandatory, possessing most of them and demonstrating a growth mindset align with ANZ's culture. Join ANZ, where significant achievements are made collaboratively to deliver banking and financial services in over 30 markets. Our Bengaluru team, consisting of over 7,500 employees, plays a pivotal role as the bank's largest technology, data, and operations center outside Australia. Operational for more than three decades, the Bengaluru team contributes significantly to the bank's strategy and serves millions of customers globally. We strive to create a culture at ANZ where individuals can authentically be themselves, with 90% of our employees feeling a sense of belonging. At ANZ, we understand that each individual requires different support to excel in their role, which is why we offer various flexible working options, including hybrid work arrangements. Additionally, our employees benefit from a range of perks, including access to health and wellbeing services. We are committed to fostering a diverse workplace and encourage applications from all backgrounds. If you require any adjustments during the recruitment process or in the role itself due to a disability or special requirements, please inform us so that we can provide the necessary support. To explore more about opportunities at ANZ, visit https://www.anz.com/careers/. If you are interested in this role, you can apply by searching for reference number 90879 on ANZ Careers. Application Deadline: 27/03/2025, 11.59 pm (Melbourne Australia),

About Us At ANZ, we are dedicated to shaping a world where people and communities thrive, united by a common objective: to enhance the financial wellbeing and sustainability of our vast customer base. About The Role As a Credit Assessment Officer at ANZ, you play a vital role in fulfilling our mission of shaping a world where people and communities thrive. Join our supportive and collaborative Home Loan Assessment Team, where your well-balanced judgement and communication skills will be instrumental in assisting customers on their home ownership journey. Your primary aim will be to ensure that banking with ANZ remains accessible, simple, and convenient. Your responsibilities will include conducting credit assessments for home loan applications received through third-party brokers and ANZ mobile lending channels within agreed Service Level Agreements (SLAs), in collaboration with other dedicated ANZ team members. You will evaluate applications in accordance with ANZ's policies and regulatory obligations, and may exercise judgement through a delegated credit authority. Banking is evolving, and at ANZ, we are evolving with it, offering our employees exciting opportunities to explore new horizons, learn, and develop professionally. Regardless of your role at ANZ, you will be shaping your future while contributing to the growth of our organization. Role Type: Permanent Role Location: Manyata Tech Park, Bengaluru Work Hours: 5.00 am - 2.00 pm What will your day look like In the role of a Credit Assessment Officer, your key accountabilities will be: - Applying lending/credit policy and product guidelines, and in some cases, exercising sound judgement to assess the creditworthiness of home loan applications - Adhering to Group Credit Policy and ensuring compliance with all relevant legislation concerning responsible lending obligations to strike a balance between risk and reward - Analyzing and reviewing customer requests by collecting all pertinent information/data, exploring all available sources of information thoroughly - Ensuring proper procedures are followed to effectively manage non-financial and operational risks What will you bring To excel in this role, you should possess: - Demonstrable experience in the Banking/Financial services industry and a solid understanding of retail/commercial products - CAD (Credit Approval Discretion) or equivalent delegation is advantageous - Strong verbal and written communication skills, enabling you to cultivate positive interactions with internal and external stakeholders, conduct workshops, inquiries, and negotiations effectively to ensure a positive customer experience - Problem-solving and analytical skills, attention to detail, and the ability to discern when issues necessitate escalation While you are not expected to have all of these skills, at ANZ, we value a growth mindset as an integral part of our culture. If most of these attributes are within your skill set, we encourage you to apply. So why join us (Bengaluru GCC) ANZ is a dynamic workplace where significant achievements are made through collaborative efforts to provide banking and financial services across more than 30 markets. With a workforce of over 7,500 individuals, our Bengaluru team stands as the bank's largest technology, data, and operations center outside Australia. Operating for more than 33 years, this center plays a critical role in executing the bank's strategy and creating a positive impact for millions of customers worldwide. The Bengaluru team not only spearheads the bank's transformation initiatives but also nurtures a culture that makes ANZ an exceptional place to work. We take pride in fostering an environment where individuals can be themselves, with 90 percent of our employees feeling a strong sense of belonging. Recognizing that our employees have diverse needs to excel in their roles, we offer various flexible working options, including hybrid work arrangements where feasible. Our employees also benefit from a range of perks, including access to health and wellbeing services. We are committed to promoting diversity in the workplace and invite applications from all individuals. If you require any accommodations during the recruitment process or within the role itself, please inform us. If you are a candidate with a disability or specific access requirements, let us know how we can offer you additional support. To learn more about career opportunities at ANZ, visit our Careers page at https://www.anz.com/careers/. You can apply for this position by visiting ANZ Careers and searching for reference number 90879. Job Posting End Date 27/03/2025, 11.59 pm (Melbourne, Australia),