Credit Initiation Underwriter

STRATEGIC INTENT:
Action all ‘new business’ and ‘portfolio’ applications for unsecured credit according to Citibank procedures in an effective and efficient manner in accordance with operational objectives. Reporting to the unit manager, this role requires someone with a willingness to learn the Unsecured Credit Lending business and has a solid level of experience working in a Credit Operations environment along with people and process management skills.

KEY ACCOUNTABILITIES:
 Responsible for processing credit approvals and limit assignments (incl. reassessments) for ‘Card’ and Ready Credit products in accordance with departmental and Risk standards
 Provide superior service to customers, both internal & external, in order to build relationships and rapport.
 Monitor and report on status of ‘work queues/flows’ on a daily and weekly basis or as directed by the Manager, Credit Approvals
 Assist with the development and implementation of strategies, policies and procedures to maximise operating results.
 Review and effectively/efficiently act on feedback in relation to quality assurance issues
 Assist with the review of and provide feedback in relation to proposed ‘cards’ & Ready Credit ‘new business’ & ‘portfolio’ campaigns
 Assist with the provision of feedback in relation to operational results
 Act (where required &/or directed) as a support and guide for other Citibank departments &/or external parties in relation to the ‘card’ & Ready Credit approvals process
 Provide support and back-up to other business units within Unsecured Credit Acceptance.
 Show insight into motivation and needs of others. Actively contribute to & facilitate team collaboration within and across business units. Encourage others to contribute to and build teams. Model desired behaviours
 Operate effectively/accurately in a high volume operational environment, with attention to detail.
 Effectively & efficiently perform &/or facilitate relevant ‘on-the-job’ training as per department/unit requirements.
 Effectively & efficiently undertake any other relevant duties as directed by the Manager, Credit Approvals

REQUIREMENTS:
 Underwriting experience not mandatory but preferable
 Demonstrate an advanced level of ‘operational’ & general product knowledge with regard to Citibank ‘Card’ & Ready Credit products
 Ability to interpret financial statements e.g. P&L
 Excellent communications skills – written and verbal
 Proven ability to work without supervision, use initiative and work pro-actively.
 PC literate with working knowledge of Microsoft Word and Excel.
 Dedication to work toward and meet objectives both as an individual and as part of a highly committed team.
 Show insight into the motivations and needs of others. Facilitate team collaboration within and across business units
 Ability to manage time/conflicting priorities so as to maximise productivity in a multi function high volume operational environment
 Attention to detail

- Premium Healthcare plan
- Training & development program
- Professional and active working environment

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