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Bank First was born by making a BOLD move. Now, we're on a mission to make more BOLD moves as we transform and grow.

We are proud to provide our community of educators and healthcare workers with a bank that puts them first, because they put others first. We're committed to building a unique bank. One that's different, sustainable, and centred around our Members.

Join us in breaking the mould and shaping the future of banking. We're looking for innovative and creative minds that are ready to make a real impact at a place where you can truly be yourself.

So, what's the role?

We're looking for an experienced and strategic Senior Manager Credit Risk to provide expert oversight of credit risk across our treasury investment assets and loan portfolio. This pivotal role ensures our frameworks, policies, and risk practices align with regulatory expectations while supporting sound commercial decision-making and sustainable growth.

In this dynamic leadership position, you'll monitor the end-to-end credit risk lifecycle, balancing profitability with risk appetite and regulatory compliance. You'll be central to uplifting stress testing, provisioning, and capital adequacy frameworks, while guiding teams on regulatory standards and delivering insights that matter.

In a typical day, you'll get to:

• Provide strategic oversight of credit risk, including hardship management, non-performing loans, specific provisioning and ECL, RWA, and capital adequacy.
• Design and implement a robust hindsight process to ensure sound credit decisions and accountability.
• Monitor credit risk RAS metrics and ensure the portfolio remains within appetite.
• Lead the development of a fit for purpose credit risk stress testing framework aligned with regulatory requirements.
• Continuously improve ICAAP-related stress testing models to reflect plausible scenarios in line with APRA expectations.
• Conduct control testing in accordance with internal procedures.
• Provide guidance and interpretation of credit risk-related prudential standards.
• Conduct deep dives into credit risk processes to ensure compliance with APRA reporting standards.

About you

• A tertiary qualification in Commerce, Economics, Accounting, or a related discipline.
• Strong working knowledge of APRA regulatory obligations in retail banking.
• Experience with capital adequacy, ICAAP, and stress testing frameworks.
• Proven ability to uplift credit risk frameworks and embed them into operational practice.
• Strong risk and control mindset with experience in control testing.
• Excellent communication skills and ability to work cross-functionally with finance, risk, and audit teams.
• For purpose, abank committed to helping its Members and their community.
• Impactful workthat will genuinely make a difference to the lives of our Members
• Work with values driven leaders, who actively develop talent and support you to grow your career. In an environment that you are empowered to Be Bold. Be Different. Be Sustainable. Be YOU
• Work life balance and flexibility,so you can work in a way that best suits you and supports your commitments outside of work. Family friendly parental leave, and paid superannuation up to 52 weeks.
• Hybrid workingfrom our state of the art offices to connect and collaborate, as well as focused time at home.
• Competitive remunerationwith an additional one week 'Be You' leave, 'Be Well' wellbeing benefit, #BFF Club home loan offer and free onsite parking

To apply

If you are looking for purpose and an organization that lives its values every day, we encourage you to apply. Likewise, if you tick many but not all the boxes, we also encourage you to apply. Above all else at Bank First, we look for people with heart and learning agility.

We encourage applications from people of all ages, cultures, abilities, sexual orientation, and gender identities. We strive to provide a recruitment experience that's fair, inclusive, and accessible.

Salary match Number of applicants Skills match

Your application will include the following questions:

• How did you find out about this vacancy? What are your preferred pronouns What are your salary expectations (including superannuation)? Do you have working rights in Australia? What is your notice period? At Bank First, we are committed to providing fair and equitable recruitment processes for everyone. Do you require reasonable adjustments for the recruitment process? If yes - please provide details of any reasonable adjustments required and a member of our Talent team will be in touch to discuss. If you are successful for a role with Bank First, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.Do you agree to these checks being completed should you progress through the recruitment process?

At Bank First, you'll find more than a job – you'll find a place where your work matters, and you matter. We celebrate each other's wins, show up for the moments that count, and take pride in helping the helpers. We care for those who care for others – including our own people. That's why our benefits are built for balance, wellbeing, and inclusion. You don't have to be in a massive organisation to do big things. At Bank First, you'll work across broad roles, drive impact, and gain direct exposure to executives. We believe in celebrating the people who live our values – bold, different, sustainable and authentically themselves. At Bank First, you'll be seen and appreciated here.

At Bank First, you'll find more than a job – you'll find a place where your work matters, and you matter. We celebrate each other's wins, show up for the moments that count, and take pride in helping the helpers. We care for those who care for others – including our own people. That's why our benefits are built for balance, wellbeing, and inclusion. You don't have to be in a massive organisation to do big things. At Bank First, you'll work across broad roles, drive impact, and gain direct exposure to executives. We believe in celebrating the people who live our values – bold, different, sustainable and authentically themselves. At Bank First, you'll be seen and appreciated here.

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