Development Finance Commercial Credit Manager

Who We Are

At Pepper Money, we're dedicated to helping people succeed—whether it's buying a family home, a dream car, developing professionally, or growing their business. We've become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand. Over our 24 years, we've achieved a lot, but our proudest accomplishment is helping over half a million Australians reach their goals with our ever-expanding lending options.

The Role

We're seeking an experienced and commercially astute Commercial Credit Manager – Property Development to join our team at Pepper Money. In this key role, you'll be responsible for assessing credit risk and creditworthiness across a range of commercial construction and development finance transactions, ensuring alignment with Pepper's credit policies and service standards.

You'll play a critical role in shaping credit decisions, working closely with internal and external stakeholders to deliver timely, accurate, and well-informed assessments that support both risk management and business growth.

• Credit Assessment: Apply your expertise and lending authority to assess commercial construction and development finance proposals in line with Pepper's credit policies.
• Feasibility Analysis: Review and interpret property development feasibility models to assess project viability and identify potential pathways to approval.
• Stakeholder Engagement: Liaise with valuation and quantity surveying firms to support robust and informed credit decisions.

About you

We're looking for a credit professional with a strong background in commercial property development finance. Ideally, you'll bring:

• Experience: 3–5+ years in commercial credit assessment or underwriting, with an approval delegation in development finance.
• Technical Knowledge: Deep understanding of construction and development risk, including experience reviewing property valuations and quantity surveyor reports.
• Analytical Skills: Proven ability to assess feasibility reports and provide clear, commercially sound recommendations.
• Stakeholder Management: Confident engaging with internal teams and external partners to support effective credit outcomes.

At Pepper Money, collaboration is just as vital as your skills. Our values are the heartbeat of our success, driving everything we do:

Can Do: We think outside the box and harness the power of teamwork to achieve the extraordinary.
Balanced: We set our customers up for success, crafting win-win outcomes that are both human and profitable.
Real: We keep it honest and respect everyone, building genuine connections.

Our Benefits

At Pepper, we're dedicated to making this a fantastic place to work and supporting you every step of the way. Enjoy a values-driven, diverse environment with a leadership team that inspires success and a culture that rewards excellence. We're always finding new ways to make Pepper a place for everyone:

• Development: a full suite of development opportunities and a great team to learn from
• Recognition: Celebrate efforts with our Spice Reward and Recognition Program and diversity through our DE&I initiatives 
• Flexibility: Embrace our hybrid working model, flexible parental leave policies and purchased leave options
• Health and Wealth: Free gym membership, discounted health insurance policies, novated leasing and staff loan rates to manage your mind, body and wallet
• Referral Bonus: Earn $2000 for referring great people.

If this role sounds like it's for you and you have experience in tackling some of the day-to-day tasks, we want to hear from you. 

For more information on Pepper visit

Pepper is proud of our inclusive and diverse workplace that we have built over the last 21 years. Diversity is embedded in our people practices, the way we communicate and connect with each other, and it is recognised throughout our values.