Credit Analyst

About the Role

We are looking for a highly experienced, motivated and detail-oriented Credit Analyst to join our team at Hume Bank.

Reporting to the Head of Credit, the Credit Analyst is responsible for assisting with the management of a portfolio of loans and customers, making decisions about loan applications while ensuring credit worthiness and compliance, and providing a great customer experience.

This is a full-time permanent position based at our Head Office in Albury, NSW. Flexible working arrangements, such as Working from Home are available when residing in the Albury area.

What you can expect:

• Conduct credit assessments and make recommendations based on financial information, systems, and external credit reporting tools available.
• Approve loans within specified DLA limits and refer loan applications outside those limits to management for approval.
• Establish and maintain effective working relationships with peer groups and key internal stakeholders and where applicable, manage key external stakeholders relevant to the achievement of business objectives.
• Facilitate understanding and adherence to Credit policy and procedures.

What you can expect:

• Conduct credit assessments and make recommendations based on financial information, systems, and external credit reporting tools available.
• Approve loans within specified DLA limits and refer loan applications outside those limits to management for approval.
• Establish and maintain effective working relationships with peer groups and key internal stakeholders and where applicable, manage key external stakeholders relevant to the achievement of business objectives.
• Facilitate understanding and adherence to Credit policy and procedures.

About you:

To be successful in the role, you will have:

• Relevant tertiary qualification (desirable)
• Previous experience as a credit analyst/assessor
• Knowledge of residential lending, business banking or commercial finance
• Sound knowledge of the principles of Responsible Lending / RG209
• Ability to read, analyse, and interpret loan applications, financial statements of income and expenses, and other related home loan documents
• Ability to work unsupervised
• Demonstrated evidence of business acumen, analytical, problem solving, and coaching skills
• Excellent communication and relationship building skills

About Us

At Hume Bank we've always believed the future is bright. And we've got a history of helping people in our community achieve their dream of owning a home. Since then, we've focused on making banking better and we want to make a real difference, empowering our customers, community and people, so we can thrive together. 

We're lucky we can do things others can't, like sharing our success in real ways. This looks like better rates and services that have a positive impact on our customers' everyday lives. We take a stand on the big issues that face the people around us and work towards being part of the solution.

Join us on a journey to a future that's not just better, it's brighter. 

How to apply

If you're excited about a brighter career, click apply to submit your application or email your application to Applications must contain a resume and cover letter outlining your interest in the position.

If you're interested in this role but your experience doesn't align perfectly, we encourage you to apply anyway, just make sure to include a cover letter to let us know why you'd be a great fit for the team.

Applications close: Monday 13th October 2025

Hume Bank is an equal opportunity employer and welcome and encourage people from all backgrounds to apply. We are committed to building a culture that is inclusive, providing an ethical and diverse workplace where everyone is respected.

If you require any reasonable adjustments to the recruitment process or the role, please let us know by contacting

Our process

• Once the role is closed, we review all applications against the requirements, creating a shortlist for further review.
• If your application is successful, you may receive an initial screening call to further assess your suitability, before being invited to an interview.
• We conduct two rounds of interviews, with the first interview being held with the reporting manager and a member of our People Team. You may be invited back to a shorter second-round interview with the head of the department.
• The final stage is to complete some quick compliance checks, before (hopefully) receiving an offer.

We are committed to providing all applicants with an outcome for their application.