At ING, we keep banking simple and put our customers at the centre of everything we do. We focus on helping people move forward with confidence, and our Residential credit team is a big part of that. Our team works together to make the lending process clear, responsible and easy, so our customers can reach their goals sooner.

We’re looking for an experienced Residential Credit Assessor to join our Customer Operations team. You’ll be part of a warm, collaborative environment where your expertise truly matters. In this role, you’ll assess residential mortgage applications with care, integrity and a strong focus on getting things right the first time. Our team is known for being supportive, open and passionate about delivering smart, digital-first lending solutions.

Whether your background is in PAYG, self‑employed lending, or both, you’ll find plenty of opportunity to learn, grow and make a meaningful impact.

This is a permanent position available in Sydney or Wyong, offering a place where you can build your career while being part of a team that values you as much as the work you do.

What you’ll do

Assess PAYG applications and progress to self-employed in residential loan products.
Review credit and risk assessments for loan/credit applications or variations within an allocated Delegated Lending Authority.
Specialise in credit/risk analysis, customer segmentation, conveyancing, and banking processes.
Uphold ING policies and procedures (including ING’s underwriting guidelines, compliance, and risk) to avoid unacceptable operational risk.
Apply superb detail and attention to all transactions to consistently meet KPI’s and quality indicators such as ‘Moments of Truth.’
Operate within the ING service delivery guidelines to ensure that all credit applications are completed within the deadlines as set to meet optimal business outcomes.

What we’re looking for

Previously held a Delegated Lending Authority (DLA) of at least $1m in a Residential Loan Approval setting (essential).
Excellent coordination collaboration and communication skills to confidently liaise with internal and external stakeholders.
Sound knowledge of Australian lending practices including policy, valuations, mortgage insurance, procedures, and Australian banking regulatory requirements.
Strong mathematical and statistical analysis aptitude.
Recent localised experience in the finance industry in residential mortgages assessment.

What’s in it for you?

Drop everything and learn with over 16,000 professional and personal development courses to choose from.
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 (opens in new window) 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 on 10th June

#LI-DNI

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ING Recruitment team

ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.

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