Credit Assessor, Lending Assessment

People'S Choice; Melbourne; Hybrid; AUD 70,000 - 110,000; Full time

Benefits offered by this job

Flexibility and hybrid work

Discounts on banking & health services

Training & study support

Generous leave benefits

Wellbeing program

Volunteer program

Peer recognition

Job summary

People First Bank is seeking motivated Credit Assessors to join our Lending Assessment team across Australia, offering hybrid work arrangements from Brisbane, Toowoomba, Adelaide or Melbourne. You will assess and progress lending applications with sound credit judgement within your delegated lending authority.

You’ll work across different lending products and channels, delivering accurate processing, maintaining regulatory compliance and striving for excellent customer outcomes in a fast-paced

Qualifications

• Strong knowledge of credit risk, responsible lending and compliance requirements.
• Experience in retail lending and credit decisioning.
• Experience with third party and broker channels.
• Experience operating under a Delegated Lending Authority (DLA).
• Ability to interpret and apply lending policies, procedures and decision frameworks.
• Strong analytical, organisational and decision‑making skills, with high level of attention to detail.
• Excellent communication, coaching and relationship management skills.

Responsibilities

• Assess lending applications, applying credit policy and delegated authority.
• Deliver accurate, efficient application processing and clear stakeholder communication.
• Maintain high standards of quality, accuracy and compliance with regulatory requirements.
• Manage workflow and priorities to meet service standards and turnaround times.
• Collaborate with colleagues to share knowledge and support a high-performing team.
• Identify opportunities for process improvement and better customer outcomes.

Skills

Credit risk knowledge

Retail lending

Credit decisioning

Broker channels

Delegated Lending Authority (DLA)

Policy interpretation

Analytical skills

Communication & relationship mgmt

Job description

About the roles- multiple opportunities; full-time roles offered with hybrid work arrangements out of Brisbane, Toowoomba, Adelaide or Melbourne!

We're seeking motivated Credit Assessors to join our Lending Assessment team and play a critical role in supporting customers to achieve their financial goals while maintaining strong risk and compliance standards.

As a Credit Assessor (internally referred to as a Lending Assessment Officer), you will assess and progress lending applications while applying sound credit judgement within your delegated lending authority (DLA). This opportunity offers variety, challenge and the opportunity to develop expertise across different lending products, channels and application types.

Your key responsibilities will include:

• Assessing and make sound lending decisions by evaluating applications, applying credit policy and delegated authority, and managing complex scenarios
• Delivering exceptional customer outcomes through accurate, efficient application processing, proactive issue resolution and clear stakeholder communication
• Maintaining high standards of quality, accuracy and compliance, ensuring all lending decisions align with regulatory requirements, responsible lending obligations and risk appetite
• Effectively managing workflow and priorities to meet service standards, turnaround times and operational performance expectations across a range of lending activities
• Collaborating with colleagues to share knowledge, provide guidance and contribute to a high-performing, customer focused team culture
• Identifying opportunities for continuous improvement by enhancing processes, supporting quality assurance activities and contributing to better customer, risk and business outcomes

About you:

You are an experienced lending or credit professional who enjoys balancing strong customer outcomes with sound risk management practices. With a keen eye for detail and the confidence to apply policy and judgement, you will thrive in a fast‑pace environment where quality and consistency matter, to bring the best outcomes to our customers.

To be successful in this role, you’ll bring:

• Strong knowledge of credit risk, as well as responsible lending and compliance requirements
• Experience in retail lending and credit decisioning
• Experience with third party and broker channels
• Previous experience operating under a Delegated Lending Authority (DLA)
• The ability to interpret and apply lending policies, procedures and decision frameworks
• Strong analytical, organisational and decision‑making skills, with high level of attention to detail
• Excellent communication, coaching and relationship management skills

Why you’ll love working with us:

People First Bank – our new brand – says exactly what we’re all about: people. We're committed to supporting and growing our team and creating an outstanding work environment.

You’ll have access to financial and lifestyle benefits to support your success and individuality:

• Flexibility and hybrid working arrangements
• Enhance your salary with discounts on banking, health insurance, and shopping across Australia
• Advance your career with training, study support, and project opportunities
• Competitive leave benefits that empower employees to take time for themselves and loved ones
• Wellbeing support with our Employee Assistance Program, wellbeing leave, mental health app, and mental health ambassadors' program
• Make a difference with paid volunteering, Workplace Giving, and diverse community initiatives
• Be recognised for your contributions through our peer-driven recognition program

A bit about People First Bank:

In March 2023, People’s Choice and Heritage Bank merged to form Heritage and People’s Choice Limited - Australia's leading mutual bank. We are now on an exciting journey to bring together our products, services, and technology under a single brand - People First Bank.

We have over 700,000 members and 1,900 employees, with dual head offices in Adelaide and Toowoomba, an Australian-based contact centre and branches across five states.

With a vision ‘To deliver positive change through banking’, People First Bank serves members and contributes to the community, while offering an inclusive, flexible work environment. We’re big enough to make an impact; but agile enough to influence and do interesting work.

"Our diversity makes us stronger"

People First Bank acknowledges the Traditional Custodians of Country throughout Australia and pays respect to Elders past and present. We are committed to fostering a diverse, inclusive and culturally safe workplace where everyone feels valued, respected and able to thrive. We welcome applications from Aboriginal and Torres Strait Islander peoples and people of all backgrounds, identities and lived experiences. We welcome requests for reasonable adjustments to ensure all candidates can participate fairly and confidently in our selection process.