About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

As a Credit Officer, SME Assessment, you will play an important role in supporting Business & Private Bank Operations by delivering accurate and timely credit assessment activities for customer account matters, including overdrawn account reviews. You will be responsible for assessing customer information, applying credit policy and decisioning guidelines, and ensuring outcomes are consistent, compliant, and customer focused.

The role contributes to operational excellence by maintaining strong risk and control discipline, meeting service and quality expectations, and supporting workflow priorities. You will work closely with peers and stakeholders to deliver positive customer outcomes while continuously building your credit assessment expertise and operational capability.

Please note: There are 4 vacancies for this role. Candidates who apply through this advertisement will be considered against all available vacancies for this position.

Role Type: Permanent
Role Location: Acacia, Manyata Tech Park (Hybrid working)
Work Hours: Early morning shifts

What will your day look like?

As a Credit Officer (PAD),SME Assessment, you will:


•    Complete credit assessment and customer account review activities, including overdrawn account assessments, using approved decisioning guidance and supporting documentation.
•    Apply credit assessment principles and responsible lending requirements to support fair, consistent and policy-compliant outcomes.
•    Deliver work accurately and within agreed turnaround times, service levels and quality expectations while minimising rework and operational impacts.
•    Identify incomplete information, process exceptions, potential risks or matters outside standard guidance and escalate them appropriately.
•    Manage assigned workflow, monitor outstanding items and communicate progress to support team service delivery objectives.
•    Collaborate with team members, leaders and stakeholders to resolve issues and ensure effective customer and business outcomes.
•    Contribute ideas that improve processes, reduce errors and enhance customer experience and operational efficiency.
•    Develop your credit assessment, product and process knowledge through coaching, training and practical experience.

What will you bring?

To grow and be successful in this role, you will ideally bring:

• Foundational knowledge of credit assessment principles, customer account review processes and responsible lending obligations.
• Experience working within documented procedures, policy frameworks and operational controls while maintaining a high level of accuracy and consistency.
• Strong attention to detail and the ability to manage high-volume work within agreed service levels and turnaround times.
• Effective written and verbal communication skills, with the ability to explain issues clearly and escalate matters appropriately.
• A customer-focused mindset with an understanding of how quality credit processing supports customer, banker and business outcomes.
• Strong organisational skills with the ability to manage workload priorities and contribute positively to team performance.
• Proficiency in operational systems and Microsoft Office applications, along with the ability to quickly learn new processes and technologies.
• Previous experience in banking, credit operations, lending support or customer service environments will be advantageous.

You're not expected to have 100% of these skills. At ANZ, a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we'd love to hear from you.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong. 

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/. You can apply for this role by visiting ANZ Careers and searching for reference number 122844.

Job Posting End Date

18/11/2026, 11.59pm, (Melbourne Australia)