Credit Assessment Officer

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),