• An innovative, flexible and collaborative work environment
• Be part of an organization that values diversity, inclusion, and respect
• Build your career your way

About The Role

Role Location: Bengaluru

Role Type: Permanent, Full-time

Credit Assessment or Underwriting is the detailed credit analysis preceding the grant of a loan. The credit analysis includes verifying and assessing an applicant’s current financial position, employment history, credit history, credit needs, ability to pay and the asset being offered as security.

Officer’s role is to Apply lending/credit policy, product and Mortgage Insurance guidelines, and a high level of judgement, in assessing applicant’s credit worthiness.

Your key priorities and responsibilities include: 

• Meet or exceed quality assurance standards
• Apply lending/credit policy, product and Mortgage Insurance guidelines, and a high level of judgement, in assessing applicant’s credit worthiness. Adhere to Group Credit Policy and Code of Banking Practice with the objective of maximising revenue and minimising risk
• Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated
• Ensure all research and investigation is accurately recorded including supporting evidence and documentation.
• External stake holder communication via calls
• Exercise thorough credit worthiness assessment and sound decision-making
• Change management and delivery of desired strategic outcome.
• Ensure the process is followed to meet audit and risk compliance
• Achieves progression to appropriate skill levels within agreed timeframes
• Build collaborate with colleagues to enable objectives to be met

About You

To grow and be successful in this role, you will ideally bring the following:

• Graduates with strong financial background with minimum of 3 - 5 years of pre-assessment, post assessment or underwriting experience
• Strong oral and written communication skills .
• Prior experience in Financial services industry and a good understanding of the home loan products .
• Analytical and problem solving skill .
• Accuracy and attention to detail .
• 2-3 years of prior experience in home lending and/ or mortgages

Notice Period – 1 month or less/ immediate joiners

About ANZ

ANZ is a great place to grow. We know our people look to their leaders to understand what is and isnt valued.

Developing a growth mindset is at the heart of our culture. It means we actively encourage people to try new things so we can improve. With effort, we can all learn and grow.

We ask our leaders to practice daily leadership behaviours things like connecting with empathy, empowering people, growing people selflessly, being curious and creating shared clarity. These are the leadership behaviours we need to transform ANZ. We support our leaders with tools, tips, and online coaching.

ANZ recognizes the value of an inclusive and diverse work environment. We take pride in the diversity of our people and encourage applications from diverse candidates. Our recruitment decisions are based on the key inherent needs and requirements of each role, and candidates are selected based on their unique strengths and characteristics.

We work flexibly at ANZ. Talk to us and let us know how this role can be flexible for you.

To find out more about working at ANZ or to view other opportunities visit www.anz.com/careers.