Credit Risk Executive

at  Commonwealth Bank

DO WORK THAT MATTERS:

Retail Operations is the engine room of the CBA Group dedicated to running, improving and transforming the processes that deliver products, services and productivity benefits to the CBA Group’s clients and customers.
If you have taken out a home loan, opened a CommSec or savings account, used an ATM, applied for a credit card, made an international funds transfer, completed Productivity training, then you have interacted with some of the many aspects of Retail Operations.
Retail Operations proudly services multiple brands within the CBA Group including ASB, CBA, and Bankwest.
The Private Bank Credit Risk Team is a centralised decisioning team that reviews and advises on deals for Commonwealth Private Bank. The team’s mandate is to deliver sound credit decisions and services to Commonwealth Private and their customers.

• Decision credit applications, exercising sound commercial and consumer judgment while operating within the parameters of your personal delegation and the stated risk appetite.
• Demonstrate best practice standards of credit origination, analysis, review and recommendation.
• Analysis of industry changes that might impact risk outcomes and ability to recognise and recommend appropriate changes to structuring of credit proposals to control and manage these changes.
• Deliver insightful advice to internal clients, working with them to ensure a solutions driven focus for external clients and transactions.
• Provide advice and assistance to Bankers and Risk colleagues on the development of strategies to manage, mitigate and price for risk.
• Work efficiently and effectively to optimise credit decisioning processes and turnaround times.
• Ensure portfolios are appropriately monitored and where necessary ensure action is taken expeditiously where credit deterioration is evident.
• Strive for on-going improvement of the Retail Operations culture by actively looking to simplify policies and systems so that Private Bank Risk Team can provide excellent customer service to the Private Bank Business and its customers.
• Embrace change and drive a culture of continuous improvement and innovation.
• Foster and promote a safe, inclusive and diverse work environment.
• Act as a role model by consistently demonstrating the Group’s values and people capabilities.
• Work collaboratively and contribute to a strong performance culture within Retail Operations and with Business peers.
• Build customer and internal stakeholder relationships through high quality partnerships whilst providing constructive and independent challenge to the Commonwealth Private business.