Skip Navigation

open main navigation menu
city landscape


Pardon our dust! We are enhancing our application system to improve the Citi recruitment experience. Due to this upgrade you may be asked to create a new profile when you apply for a new job. If you submitted an application prior to July 21st you can view the status of your application and manage your documents via the Manage Existing link in the Create/Manage Profile drop down in the top right corner of this page.

Advanced Search

Search Jobs

Match Your Skills

Search jobs based on your LinkedIn profile.

Match Now

Career Opportunity

Credit Analyst 1

Locations: Sydney, New South Wales Job Function: Risk Management Employee Status: Regular Job ID: 19112033

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Our Mortgages Credit Team is responsible for assessing mortgage applications, to minimise risk to the Bank and provide exceptional service to our brokers and partners  and exceed customer expectations. A large part of the role of is to work with our stakeholders and vendors to strengthen our relationship and aim to towards first call resolution.

Your key accountabilities include but are not limited to:

  • Responsible for the timely and accurate assessment of allocated New Business and Variations applications. Applications are processed under the ‘Ownership Model’ which requires accountability of file management from allocation to final approval
  • Thoroughly review application information/documentation and obtain a clear understanding of customer needs and loan purpose to ensure customer satisfaction  within SLA
  • Professional, clear and concise communication to brokers and customers (and Sales Team where required) both over the phone and in writing throughout the stages of the assessment process. This includes approvals, declines, and requests for further information
  • Package and submit deals requiring Lenders Mortgage Insurance (LMI)
  • Liaise with Lenders Mortgage Insurance to obtain approval on proposed applications
  • Build and maintain strong relationships with Business Development Managers, Mortgage Specialist, customers and brokers as per the ‘Ownership Model Contact Agreement’
  • Perform title searches for all deals prior to approval
  • Review clarifications received from Cards Acceptance and Wealth Management regarding additional information on pending applications
  • Obtain approval from Risk and Mortgage Product where exceptions are required to proceed without a Credit Card or Citiplus Account under Bundled Applications
  • Prepare final approval attached supporting documents including title searches, AML for WA securities and forward to support staff to prepare guarantors letters, credit cards.
  • Review the completed final approval with all supporting documents, sign and Solicitors to prepare mortgage documents
  • Manage and move files which require rate reviews to the Credit Support Officers on a daily basis and ensure the application is signed off and returned to Solicitors on the same day
  • Management post settlement clarifications received from the administration team  regarding non maintenance of settled applications
  • Proactively identify improvements to service delivery and efficiency
  • This may include suggesting changes to credit risk policies, processes and procedures
  • Keep abreast and adhere to Policies, Procedures and Risk Bulletins
  • Adhere to time frames on Compliance Training and Quality Assurance

Competencies and Experience to be successful in this position you must have the following skills and experience:

  • Experience in an operational environment (ideally obtained within banking and finance)
  • Knowledge/experience in Mortgage products and operations, essential Knowledge/experience in Secured credit.
  • Credit Underwriting Delegation for Mortgage Lending is essential
  • Knowledge/experience in Unsecured credit, advantageous
  • Strong experience in Customer Service and Sales, desirable
  • Excellent professional communication skills, both oral and written with experience in documentation
  • Education Qualifications: Tertiary Qualifications in a related finance discipline is advantageous
  • Preferred High level of computer literacy in MS Word / Intermediate level in Excel
  • Demonstrated understanding of implications for working within a regulated environment
  • Well organized, attention to detail and able to meet deadlines
  • Adaptable to change
  • Minimal supervision required
  • Able to work autonomously and within a team environment

When you work at Citi, you will be working for an organisation that truly has a global footprint and a powerful network that spans the globe. We celebrate individual ingenuity and use the diversity of our people in order to drive high performance. Through dedicated support, training and resources, we promote our talent and future leaders to bring about lasting and positive impact. Citi Australia is an Employer of Choice for Women and supports a flexible work environment.

Personal information (as defined in the Privacy Act 1988) will be handled in accordance with our Privacy Policy. Please see



Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - AU


Time Type :Full time


Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity CLICK HERE.

To view the "EEO is the Law" poster CLICK HERE. To view the EEO is the Law Supplement CLICK HERE.
To view the EEO Policy Statement CLICK HERE.
To view the Pay Transparency Posting CLICK HERE.