Line 1 Credit Manager

We have an exciting opportunity for a Line 1 Credit Manager to join Heartland Bank Australia Limited based in either Melbourne or Brisbane, Australia.

Is this your next role?
You will be at the heart of credit decision-making and customer engagement. You will own the credit process from start to finish—partnering with relationship managers, structuring financial solutions, and making risk-aware recommendations. This is a hands-on role where your expertise directly shapes business and portfolio growth.

Does this sound like you?
You thrive in fast-paced environments where your judgement, communication, and analytical skills make a real impact. You will be the go-to person for credit structuring, policy interpretation, and customer conversations. Whether it's a complex facility or a routine review, you will bring clarity, confidence, and commercial insight to every decision. You know how to balance risk and opportunity, and you're passionate about helping customers succeed while also getting to know their businesses inside out.

You're a Pro With

• Experience in Operational risk and/or compliance within the banking or financial sectors.
• Knowledge of key regulatory obligations in the financial sector.
• Experience in Line 1 or Line 2 risk roles, with competency in Risk and control assessments, control testing, and incident management.
• Designing and executing assurance and control testing programs while navigating regulatory frameworks and internal governance.
• Exceptional communication both written and verbal
• Strong analytical thinking and problem-solving skills
• Building strong relationships with key stakeholders

Qualifications/Certification

• Tertiary qualification in a business discipline (preferred)
• Demonstrated experience in supporting Agri clients with tailored financial solutions
• Extensive experience in credit roles, especially in agricultural finance

A Bit About Us And What We Do
At Heartland Bank Australia, we focus on providing Australians with specialist banking products that are the best or only of their kind. We do this digitally so our customers can spend more time on the things that matter most - instead of waiting in a queue to speak with someone at a bank.

We're well-established in Australia and have been serving Australians since 1971. We're the leading provider of reverse mortgages and of specialist livestock finance. We're part of the Heartland group of companies which has more than 145 years of experience in financial services. Heartland is listed on the New Zealand and Australian stock exchanges (NZX/ASX: HGH)

Can you see yourself here?

Our values define who we are. We're innovative and always evolving. We work together as one team and have big ambition. We offer real opportunities for learning and career development. You can also get involved in driving change through our internal groups, including our rainbow committee, Growing Families, wellbeing and sustainability groups.

Our perks include flexible working, regular team social activities and events, flu vaccinations and more.

Diversity & inclusion

At Heartland, we're proud to celebrate the many characteristics that make us different. We're committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers.

We're an equal opportunity employer and we strongly encourage everyone to apply. Let us know if you need support throughout the application or interview process including a sign language interpreter or speech-to-text reporter. Feel free to share your pronouns in your application.

Keen to learn more?

To learn more about Heartland, check out our website or follow us on LinkedIn

Please note you must be eligible to work in Australia.