Credit Manager, Vic

Permanent position available
- Full-Time Role - Melbourne based and 3 days in the office - Flexible daysUtilise your skills across credit risk within the Business Lending, Property Credit Team

**How will I help?**

The Credit Manager role sits within the Business Lending (WBC & Brands) Property Credit team. In this role, you will act separately from relationship management activities and be accountable for transaction credit risk decisioning and structuring. You will have delegated credit approval authorities and be responsible for supporting or providing final credit approvals for credit exposures to a portfolio of customers in the Property segment in Australia.

Reporting to the Senior Manager Commercial Credit, you play a key role to ensure that all credit decisions are soundly based, involve appropriate research / analysis, and reflect the organisation's credit underwriting standards, policies, and risk appetite, and meet local regulatory requirements.

**Responsibilities will include**:

- Approve transactions that are within delegated authority and support transactions that exceed the delegated authority for approval at higher levels
- Maintain sound credit quality of your assigned portfolio through proactive monitoring and developing appropriate corrective strategies as and when appropriate

**What’s in it for me?**

You’ll play a significant part of the future of a business that has been around for over 200 years. Our purpose is to create better futures together. So, we’ll back you in the development of your career, internal career prospects, and flexible working. You’ll also keep learning to grow your career, backed by a fantastic team of people with a can-do, supportive structure. Whatever shape your family takes, we offer generous paid and unpaid parental leave for your nominated primary and support carers. This includes leave to organise adoptions, surrogacy, and foster care arrangements. And we continue to pay your super contributions while you take all the time you need to get your new family settled.

**What do I need?**

To excel in this role, you will need strong banking and financial services experience, particularly with at least two to three years of approving credit transactions for property clients. Additionally, having previous front-line relationship banking experience will be highly advantageous. This combination of skills and experience will enable you to effectively assess creditworthiness, manage client relationships, and contribute to the overall success of the team. Further advantageous qualities and experience includes:

- Extensive banking and financial services experience, including at least 2-3 years of approving credit transactions for property clients. Preferably, this includes prior front-line relationship banking experience
- A tertiary degree in business, finance, accounting, or property
- Sound business acumen with a commercial approach
- Excellent written and verbal communication skills
- Strong analytical and critical thinking skillsA passion for supporting property focussed clients (both investors & developers, including owner builders)

**What’s it like to work there?**

We are a collaborative team of passionate people with a shared ambition to make a difference for our customers, our communities and each other. At Westpac, making a difference means creating impact, unlocking our own and each other’s passions, and transformative success stories to create better futures together.

As well as competitive remuneration and a great culture, joining the Westpac family gives you access to a wide range of employee benefits to help you manage your priorities - whether that means family life, work/life balance, ambition to grow or all the little perks in between.

We’ll empower you to shape your career path. Through personalised upskilling, mentoring, and training opportunities, you’re in control of where you start and how you’ll grow.

As an equal opportunity employer, we are proud to have created a culture and work environment that values diversity and flexibility - and champions inclusion.

Hear from some of our people and their experiences working with us.

**How do I apply?**

Start here. Just click on the **APPLY**or **APPLY NOW**button.

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