Credit Manger

Worker Type:

Here at BNZ, it's about more than just banking. We work together in an agile, energising environment to create innovative solutions though our promise "If you can imagine a better future, let's find a way."

We support wellbeing, flexible working and have a generous leave offering. No two days are the same.

Mō te Tūranga | About the Role

We have a 12 month fixed-term Credit Manager opportunity, where you will support the delivery of Risk Management practices within the Customer Risk Assessment function, ensuring safe, quality, growth of the lending portfolio through risk identification and decisioning of credit related risks. This includes providing expert analysis, judgement, assessment and decisioning of credit submissions including outside risk appetite escalations.

What are 5 day to day tasks the person in this role will complete?

• Ensuring the safe, quality growth of the lending portfolio through risk identification and decisioning of credit-related risks.

• Providing expert analysis, judgment, assessment, and decisioning of credit submissions.

• Collaborating with frontline lenders by providing second-line coaching that supports risk practices, risk appetite, and banker capability uplift.

• Managing Credit Risk and wider Environmental, Social, and Governance (ESG) related risks for the Agribusiness portfolio.

• Assessing customer eCRS ratings to ensure appropriate allocation of the Bank's capital and risk settings as required by accountability to NAB, RBNZ, and regulators.

What attributes will this person display in order to be successful in this role?

We are looking for someone that demonstrates strong communication skills, adaptability, problem solving abilities, and a proactive approach to their work. Your previous experience will show:

• Experience in Credit Writing, analysing clients cashflow forecasts, budgets, and financial reports.

• Strong understanding of lending products and principles, credit assessment, financial analysis, accounting skills and legal matters.

• An awareness of industry / sector performance and financing structures.

• Knowledge and understanding of standard and non-standard documentation and legislation as it affects financiers.

• A good understanding of key relevant legislations (ie CCCFA)

• At least 5 years' experience in agribusiness/business/commercial lending environs whilst holding a DCA [Delegated Credit Authority].

What is the team culture and environment like?

We value innovation, teamwork, and a commitment to excellence. We prioritise exceptional customer service and build enduring relationships through empathy and trust. We work quickly and with purpose for our customers, and we are empowered to make decisions safely for their benefit. We bring the right people together, knowing diverse ideas achieve more, and we set bold ambitions to get the best customer outcomes. We speak up on issues and invite challenge, working with respect and curiosity.

What is the most challenging thing about this opportunity?

You'll need to maintain composure despite tight deadlines, high volumes, high demand, and a highly dynamic environment is crucial. We need someone that is flexible and can adapt to a variety of tasks and functions.

Nau Mai ki te Pēke o Aotearoa | Come to the Bank of New Zealand 

This is an exciting opportunity to join us  We're bold thinkers who are taking brave steps to create a company that people want to work for, and customers want to bank with. If you're ready to join a fun organisation where we are proud of our culture and how we are helping New Zealander's to 'Find their way', then show your interest by submitting your application - we can't wait to read it. 

Ehara taku toa i te toa takitahi, engari he toa takitini" - Success is not the work of an individual, but the work of many."

Applications will be reviewed regularly across the advertising period, but we do reserve the right to close applications early.