Credit Assessor

The Retail Banking Operations in ING’s largest shared services organization (ING Hubs Philippines) is growing rapidly – delivering processing and contact center services to our banks globally. Our ambition is to provide excellent Customer, Partner, and Employee experience while keeping the bank safe and continuously improving on our performance and culture.

ING is looking for a colleague with the talent to take something on and make it happen, who is enthusiastic about helping others be successful and has the gift of always being one step ahead and a person who always collaborates, listens, and invests in others to achieve shared goals.

Overview:

As part of the Australia Consumer Lending – Credit Assessment Team, you will be responsible for the credit assessment and proactive follow up of consumer credit applications for new and existing customers utilizing Delegated Lending Authorities (DLA).  As a Consumer Credit Assessor you will apply your sound credit knowledge and skills to ensure consumer credit applications comply with ING Credit policy, procedure and regulatory requirements.

Responsibilities/Expectations from the Role:

• Assessment of new and existing customer consumer credit applications within DLA, and in line with bank policy.
• End to end processing of consumer credit applications.
• Credit review and decisioning of applications via refer or decline appeals.
• Resolution of customer and stakeholder enquiries.
• Generation of ideas for continuous improvement
• Positive approach in relation to change and improvement.
• Timely and professional response to all incoming emails and/or requests
• Ensure all follow up is completed in a timely manner.
• Maintaining and developing detailed technical knowledge in relation to sound credit assessment practices.
• Maintaining a high level of accuracy and quality in relation to credit decisions in lines with banks risk profile and appetite.
• Adapting to a constantly changing environment, both in relation to organizational change, and external market conditions.
• Maintaining and developing positive relationship with internal and external stakeholders.

If you are:

A College graduate or equivalent professional working experience in Consumer/Retail credit analysis: i.e. Credit Card lending experience. A professional and mature individual displaying the following behaviors and competencies:

• You are analytical, flexible, open-minded, a team player.
• You are able to deal with tight deadlines, work under pressure and multi task.
• You are proficient in spoken and written English.
• Knowledgeable in MS Office
• Problem Solving:

• Able to execute quality checks.
• Stay abreast of developments within own field.
• Is bound by (standardized) work process instructions and (standardized) scripts.
• Reports incidents linked to products and services.
• Acts independently in executing requests and improving workmanship.
• Appeals to supervisor/other CLT members for advice and support in performing new or non-standard operations.

• Communication - Daily consultation with team members regarding work progress and more complex files
• Willing to work on weekends, holidays and render overtime as needed.