Credit Assessor, Commercial

At ING, we’re not like other banks. We know banking is a means to an end, helping people and businesses get on with the things that matter most to them. That's why we're committed to making banking simpler, faster and more rewarding. As Australia's most recommended bank, we're passionate about empowering people to stay a step ahead in life and business.

We're looking for an experienced Credit Assessor to join our Commercial Lending team. In this role, you'll assess complex commercial lending applications, make sound credit decisions within delegated authority, and work closely with brokers, customers and internal stakeholders to deliver great outcomes. You'll join a supportive team with a stable workflow, where attention to detail, sound judgement and strong stakeholder management are highly valued.

If you're an experienced commercial credit professional who enjoys balancing risk, customer outcomes and sound lending decisions, we'd love to hear from you.

This is a permanent role based in Sydney.

What you’ll do

• Applying sound credit and risk judgement in the assessment of New commercial lending applications, Annual Reviews, End of Term Maturities and Variations. Within your Delegated Lending Authority

• Analyse customer financial information, security positions, valuations and supporting documentation to determine creditworthiness.

• Identify risks and proactively structure or repackage deals to achieve appropriate lending outcomes.

• Communicate decisions, requirements and next steps clearly to brokers, customers and key stakeholders.

• Escalate applications outside your authority level with well-prepared recommendations and supporting rationale.

• Contribute to continuous improvement initiatives while maintaining compliance with ING credit policies, risk frameworks and service standards.

What we’re looking for

• Recent experience in commercial credit assessment within banking or financial services.

• Previous Delegated Lending Authority (DLA) of at least $1 million in commercial lending.

• Strong knowledge of commercial lending practices, credit risk assessment, policy interpretation and regulatory requirements.

• Experience assessing commercial mortgage applications and working with complex lending scenarios.

• Excellent analytical, communication and stakeholder management skills.

• Exposure to other lending products such as unsecured lending, business banking or residential mortgages will be viewed favourably.

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](text about 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, Sabrina.huynh@ing.com

For support and adjustments, including DEI, LGBTQI+ confidential application support enquiries: rpoteam.au@ing.com

Applications will close Wednesday, the 9th of September.

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