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**

The Business Finance Credit Department is responsible for managing the credit quality of the Bank's business lending portfolio.

As a Commercial Credit Manager, you will be responsible for the review, challenge and decisioning (within delegation) of credit submissions as submitted by the 1st line, ensuring that deals are decisioned within our SLA's and that all deal data is accurately captured. You will also be expected to provide expert advice on; loan structuring, aspects of cash-flow lending, appropriate lending covenants, restructures and workouts as well as annual reviews and any other aspect of managing credit in the Business Finance team which contributes to the protection of the assets of AMP Bank Limited.

You'll make an impact by:

- Understanding and observing the Bank's policies and procedures when assessing loans for approval, recommendation or decline.
- Manage "workout" files as allocated to you by the Head of Credit.
- Maintain credit quality standards expected of all team members.
- Identifying opportunities for continuous process improvement and cost reduction.
- Provide great customer service to our internal and external business partners by making pro-active phone calls to discuss the assessment or where more information is required and to offer solutions if the loan does not fit policy (if appropriate).
- Work with the Head of Credit and the Portfolio Analytics team to determine the correct amount of Specific Provisions needed across the Business Finance portfolio.

**What you will bring to the team**
- Extensive experience in a commercial cash-flow lending role with experience in analysing complex company structures, financials, cashflow forecasts and security position.
- Previously held a delegated lending authority (minimum $2.0m)
- Sound knowledge of legal entities, lending structures and statutory/regulatory requirements.
- Work both independently and as an effective team member
- Commitment to owning outcomes, problem solving and teamwork.
- Demonstrate strong verbal and written communication skills with the ability to communicate to various levels of management and business partners effectively.

**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 fi