Senior Credit Assessor, Commercial

At ING, we’re more than just a bank. We’re on a mission to make life simpler and more rewarding for our customers and our people. Our Customer Operations team is at the heart of this, delivering innovative lending solutions across consumer, residential and commercial markets, and supporting customers through key financial decisions with speed, care and expertise.

Our Commercial Credit team plays a critical role in enabling business customers to grow — balancing strong risk judgement with a pragmatic, solutions-focused approach.

We’re looking for a Senior Credit Assessor, Commercial to join our high-performing and collaborative team. In this role, you’ll take ownership of assessing complex commercial lending applications, making sound credit decisions within your delegated authority, and working closely with brokers and stakeholders to structure the right outcomes. You’ll also support and mentor others while contributing to continuous improvement across the team.

This is a permanent role based in Sydney.

What you’ll do

• Assess and decision commercial lending applications and variations, including complex structures, within your delegated lending authority.
• Analyse financial statements, cash flow, security structures and risk factors to make informed, balanced credit decisions.
• Structure and repackage deals where needed to meet both customer needs and risk appetite.
• Manage your own pipeline of applications, ensuring timely, high-quality outcomes aligned to service levels.
• Engage with brokers, customers and internal stakeholders to communicate decisions, provide clear rationale and manage expectations.
• Support and mentor junior Credit Assessors, sharing knowledge and contributing to capability uplift across the team.
• Facilitate group coaching sessions
• Identify opportunities for realignment of credit policy to support a more efficient process and improved customer experience.
• Collection & sharing of data (with Manager) held on decline overturns/scenario/BDM queries to support process reviews and identify training gaps/opportunities.

What we’re looking for

• Strong experience in commercial credit assessment within financial services, with exposure to complex lending scenarios.
• Demonstrated Delegated Lending Authority (DLA) in commercial lending and confidence making autonomous credit decisions.
• Solid understanding of commercial lending principles including financial analysis, cash flow modelling and risk assessment.
• Ability to interpret business financials and identify key risks, mitigants and structuring opportunities.
• Strong stakeholder management skills, with the ability to build credibility with brokers and internal partners.
• A proactive, solutions-focused mindset with the ability to balance customer outcomes and risk discipline.

What’s in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

About Us 
 

At ING, we’re all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we’re proud to support. Joining ING means stepping into an environment where your individuality isn’t just welcomed - it’s celebrated. We’ve built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.  

Whether you’re taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you’ll find ING is the kind of place where growth isn’t just a possibility; it’s a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you’ll feel the difference in how we value and champion our people.  

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you’re interested but don’t meet all the criteria, we encourage you to apply. We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We’re your allies in helping you do your thing during the recruitment process, so let us know (email below) if you require any support or adjustments when you apply   

Sound like your kind of vibe? We can’t wait to hear from you!  

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)  

ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia. 

Need more?  

 
Contact Sabrina Huynh, [email protected]

For support and adjustments, including DEI, LGBTQI+ confidential application support enquiries: [email protected] 

Applications will close Monday, the 22nd of June.
 
Before you apply 
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager  

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