Commercial Credit Manager

Commercial Credit Manager

If you live in Australia or New Zealand, you've likely heard of AMP. But at a time when society is changing, we are too. We're now a nimbler business with new leadership and thinking.

For us, these are exciting times. There's a real potential for big thinkers to help us redefine what financial services could be. And turn our legacy into something even more positive and powerful for the future.

**Help people create their tomorrow, while you create yours**

We help people with their banking, super, retirement and finances. Through upturns, downturns, recessions, and major life transitions. Every day, we help people see and make more of their financial potential, so that they can create their tomorrow. And we've been doing it for over 170 years.

If we do our job well, we genuinely add to the prosperity of our country and its people.

**How you'll make an impact**

AMP Bank Limited is predominately a retail bank, offering retail deposit accounts, residential mortgage products and services and other consumer value add services.

The Bank distributes directly to retail customers and through Brokers and Planners. The bank also has a Business Finance Division providing cash-flow lending to financial planners and mortgage brokers, with a dedicated department managing credit quality.

The role of Commercial Credit Manager, is responsible for reviewing, challenging, and making decisions on credit submissions (within the delegation) as submitted by the 1st Line. The role ensures that decisions are made within the set service level agreements (SLAs) and that all deal data is accurately captured.

Additionally, the role provides advice on loan structuring, cash-flow lending, appropriate lending covenants, restructures, workouts, annual reviews, and any other aspects of managing credit within the Business Finance team.

**You'll make an impact by**:

- Adhere to the Bank's policies and procedures when assessing loans.
- Maintain credit quality standards.
- Identify opportunities for process improvement and cost reduction.
- Provide excellent customer service by proactively communicating with business partners and offering solutions when necessary.
- Comply with AMP Bank behaviours.

**What you will bring to the team**
- At least 3 years of experience in commercial cash-flow lending, including analysing complex structures, financial forecasts, and security positions.
- Good understanding of legal entities, lending structures, and regulatory requirements.
- Excellent verbal and written communication skills and effectively engaging with various levels of management and business partners

Additionally, a commitment to delivering high-quality work on time is essential.

**You'll thrive here if...**

If you can adapt from BAU to the ambiguous with ease, you'll do well here. Change is never easy, so bring your commitment, grit and growth mindset.

Because we run lean, you'll be expected to jump in and deliver across a variety of areas. Meaning, you'll be closer to the action and executive decisions that influence where we go next.

If you're someone that can hold their own, you'll find AMP quite liberating.

**Why we think you'll love working at AMP**

Doing what we've always done is not an option, so your clever ideas will get airtime here. You'll be encouraged to speak up and try new things. If they don't work, we move on - better for it.

We know there's no one way of doing things. So, you won't have to sacrifice who you are or how you work to fit in here. We're inclusive and flexible in many of the ways you'd expect. And in some of the ways you wouldn't. As long as your health and wellbeing come first - at home and at work.

In fact, most of what makes AMP such a welcoming, enjoyable place to work are our people. Wherever you go, you'll find moments to connect, feel valued and do meaningful work.

Whether it's through our first-class leaders who are invested in you and your success. Through year-round opportunities to volunteer, fundraise and give back to the community. Or in the everyday challenges you face as we work together to strengthen this great organisation. Challenges that will stretch you, amplify your potential and compound the impact you have.

**We believe in the power of inclusion and diversity**

We're dedicated to fostering inclusion, diversity, and a warm feeling of belonging at AMP. It sparks creativity, ignites innovation, and turns up the dial on the quality of our decisions and performance. This not only makes our workplace more engaged, but also leads to better connections with our customers.

We're your allies in the search for the perfect fit - when you apply, let us know how we can support you to put your best self forward during our selection process.

**Ready to create your tomorrow?**

If you're someone who sees opportunity where others see challenge, come and work with us in smart, progressive ways as we transform an iconic Australian brand for the future. And, throu