Organization: At CommBank, we never lose sight of the role we play in other people’s financial wellbeing. Our focus is to help people and businesses move forward to progress. To make the right financial decisions and achieve their dreams, targets, and aspirations. Regardless of where you work within our organisation, your initiative, talent, ideas, and energy all contribute to the impact that we can make with our work. Together we can achieve great things.

Job Title: Operations Team Member.

Location: Bangalore.

Impact & contribution: You are an operations professional who makes things happen for our customers. Your value lies in doing things right to ensure we deliver a great customer experience.

Roles & Responsibilities:

• 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.
• Reviews credit exposures against the limit framework and provides analysis.

• Applies knowledge of retail lending. Understands strategies and policies for the management of credit risk across the credit lifecycle.
• Meet or exceed quality assurance standards.
• 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.
• Helps leaders implement any process updates.
• Exercise thorough credit worthiness assessment and sound decision-making.
• Contribute to Improvement ideas which would help in change management and delivery of desired strategic outcome.
• Work productively as part of a team or independently to meet deadlines.

Essential Skills:

• Highly energetic and dynamic professional who are always striving to do better for our customers.
• Minimum 1-3 years’ experience in, Financial Verification, Pre assessment, assessment, or underwriting experience / Funding of loans.
• Understanding of the end-to-end process flow for unsecured products.
• Proven ability to effectively plan and coordinate incoming work and enquiries.
• Excellent communication skill Written and Oral.
• Strong in exercising sound
• judgement backed by analytical and problem-solving skill.
• Carrying impressive interpersonal skills to communicate effectively with our Australian onshore team.
• Demonstrate curious mindset and ability to investigate

Educational Qualifications:

• Bachelor’s degree in business management/ business administration/ computer applications/ commerce.