Credit Assessor

Work options: Work From Anywhere

The Credit Assessor role is responsible for the assessment and final decisioning for secured and unsecured Consumer Credit. The objective of this role is to ensure accurate and effective credit decisions are made in a consistent, efficient and timely manner and to deliver excellent customer service to internal and external stakeholders. This will be achieved through the adherence to Credit Risk policies and to support and be active in the commitment to live by the Banks values along with involvement and active participation in cultivating a positive credit culture.

The role will be expected to support the Lending Fulfilment and Retail Compliance team in delivering an exceptional stakeholder experience through effective engagement with all working relationships in a timely and productive manner.

The Credit Assessor will possess and utilise past experiences in delivering credit decisions that support our unique bonded member base and to clearly understand the impacts of those decisions.

An agile approach is required to support the requirement to continually enhance lending decisioning experience by way of critical reviews of processes and procedures that support staff and member outcomes.

As Australia’s longest serving Defence financial institution, we have supported those who protect and serve our country for over 65 years. And as a member-owned bank, we are here for our members first, helping them to achieve their financial goals with a range of competitive products and personalised service. In 2024, we were named one of the World’s Best Bank by Forbes and won Canstar’s Consumer Bank of the Year for Everyday Banking.

At Australian Military Bank, we exist to serve those who serve. As a member owned bank, our decisions are driven by what’s best for our members - not shareholders.

We’re looking for an experienced Credit Assessor to join our Lending Fulfilment team and play a key role in assessing and approving consumer lending applications while maintaining strong credit quality and compliance standards.

Your New Role

As a Credit Assessor, you will be responsible for assessing and decisioning secured and unsecured consumer lending applications, including home loans, personal loans and credit cards. You will work closely with our branch network, broker channel and digital sales teams to deliver timely, consistent and high quality credit decisions.

This role requires strong credit judgement, attention to detail and a customer focused mindset, ensuring lending decisions align with policy, regulatory obligations and the Bank’s risk appetite.

Key Responsibilities

• Assess and approve home loan, personal loan and credit card applications within Delegated Lending Authority (DLA)
• Review lending applications from branch, broker and digital channels
• Ensure lending decisions align with Credit Policy and Credit Underwriting Standards
• Meet service level agreements and support positive member outcomes
• Identify and document appropriate mitigants for applications requiring policy exceptions
• Support compliance activities, credit quality reviews and audit requirements
• Provide feedback on lending quality, trends and process improvements
• Contribute to projects and initiatives that enhance lending efficiency and stakeholder experience
• Build strong relationships with internal stakeholders to deliver exceptional service

What You’ll Bring

• Minimum 2 years’ experience in a retail banking credit assessment or underwriting role
• Experience operating under a Delegated Lending Authority (DLA)
• Strong understanding of consumer lending, credit risk and responsible lending obligations
• Demonstrated ability to assess home loans, personal loans and credit cards
• Excellent analytical, problem-solving and decision-making skills
• Strong stakeholder management and communication skills
• Commitment to delivering quality outcomes within service level timeframes
• Experience in lending fulfilment or branch lending environments will be highly regarded

Why Join Australian Military Bank?

• Purpose-driven organisation supporting the Defence Community
• Collaborative and values-based culture
• Opportunities for professional development and career growth
• Hybrid working arrangements
• Competitive employee benefits including banking and wellbeing initiatives
• Be part of an organisation recognised for its commitment to employees and members

Benefits

Working with Australian Military Bank will provide you access to a great range of benefits including:

• Staff Banking product + Services discounts
• Novated Leasing options
• 4 weeks Paid Parental + Purchased Leave option
• Referral Reward Program
• Employee Assistance Program
• Annual Flu Shot + Blood Donor Leave
• Uniform allowance + Polo Shirt provided
• Service Awards

Probity check

As we are an Authorised Deposit Taking Institution there is a requirement to complete the standard range of Credit, Police and Bankruptcy checks prior to commencement of employment.

We move quickly with our interview process, if you’re keen please submit your CV today!

We thank you in advance for your interest, however, only those selected for a pre-screen and/or an interview will be contacted

Australian Military Bank values diversity and is an equal employment opportunity employer.