Credit Manager

You pick the location and work flexibly with the support of our national team
- Transaction credit risk decisioning & structuring within Regional & AgribusinessImmediate commencement

**How will I help?**

The Credit Manager role sits within the Regional & Agribusiness 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 Regional & Agribusiness segment in Australia.

**Responsibilities**:
Reporting to the Senior Manager Commercial Credit, you play a key role to:

- Approve transactions that are within delegated authority and support transactions that exceed the delegated authority for approval at higher levels.
- 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.
- Maintain sound credit quality of your assigned portfolio through proactive monitoring and developing appropriate corrective strategies as and when appropriate.
- Ensure adequate reporting and transparency to senior stakeholders so that they are aware of material and emerging risks impacting the portfolio, as well as significant transactions in pipeline and recent approvals.

**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 hit the ground running?**

This role suits somebody who has:

- Significant banking/financial services experience across a broad range of disciplines with at least five years’ experience originating and/or approving credit transactions within Business and Agribusiness segments ($3-$40M).
- A tertiary degree in business, finance, accounting, or agriculture.
- Strong business acumen with a commercial and relationship driven approach.
- Excellent written and verbal communication skills _. _
- Strong analytical and critical thinking skills.
- A passion for supporting regionally based businesses, including primary producers.

**What’s**it like to work in the team?**

We are a collaborative team of 15 FTE, spread over multiple locations across Australia, including some capital cities and several regional locations. We’re all passionate credit professionals with a shared ambition to make a difference for our agribusiness customers and regional communities. At Westpac, making a difference means creating impact for our regionally-based commercial businesses to grow and prosper. Whether you’re metro or regionally based, you’ll be supported to live your passions in balance with work, and create a better future 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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