Credit Manager

We are looking to recruit a Commercial Credit Manager (Agribusiness) to provide leading risk oversight, insight and control by achieving critical business and portfolio outcomes, including risk / reward and operational risk effectiveness. Key to your success will be your proven ability to engage and influence through your demonstrated strong credit risk assessment and evaluation skills. **Flexible on Location.**

**How will I help?**

Reporting to the Senior Manager Credit, you will be responsible for:

- Working across the Agribusiness banking team to support new to bank and existing lending transactions including continuously monitoring and reviewing customer and sector risks; and providing expert insight and advice across diversified industries.
- Maintains the organisation's credit standards and business service quality by ensuring all credit decisions are soundly based, involve appropriate oversight and reflect the organisation's current underwriting standards, policies and risk appetite for the segment
- Ensures that credit decisions are communicated in a constructive manner with consideration of suggestions or alternatives to make the risk acceptable.
- Provides regular insight of local portfolio to recognise and monitor trends, loss / provision ratios, early identification of deteriorating credits, risk / reward returns and remedial strategies and reviews these as appropriate
- Adopt a team approach to workflow management in line with broader team priorities which may evolve or vary over time.
- Maintains a partnership approach to achieve the best outcomes for customers and the organisation
- Identifies barriers that undermine working collaboratively with bankers and escalates as appropriate to resolve
- Advocates a one team culture and delivers credit coaching to embed process improvement and build credit skills capability for bankers.
- Day to day involvement with Credit Colleagues, Assistant Relationship Managers, Senior Relationship Managers, Relationship Directors and with Regional General Managers

**What is in it for me?**

You will play an important and significant part in the future of a business that has been around for over 200 years. Our vision is to become one of the world's great service companies. So, we will back you in the development of your career, with internal career prospects and flexible working. You will also be backed by a fantastic team of people in a can-do, supportive structure.

There is opportunity for career development to include people leading responsibilities in the future.

Key to your success will be your proven ability to engage and influence through your demonstrated strong credit risk assessment and evaluation skills.

**What do I need?**

To succeed in this role, you need:

- Significant banking/financial services experience across a broad range of disciplines with at least 5 years experience originating and/or approving credit transactions within Business and Agri segments.
- Resilience to deal with adversity, conflict, and tight timeframes.
- Commitment to Self-management, flexibility and an organised and disciplined operating rhythm.
- Contributes to a strong risk culture through an open mind to continuous improvement and change.
- Sound, communication, and relationship building capabilities enabling an inclusive and collaborative approach in day to day activities
- Experience, skills and qualifications to hold a minimum Level 5 CAL
- Ability and courage to use expert judgement in making decisions
- Ability to empathise with Farmers or Regional businesses during times of adversity
- Basic knowledge of agriculture and ability to learn industry specific financial analysis techniques
- Desire and ability to coach Bankers and ARMs
- Ability to work remotely and communicate via electronic means

Ideally you will also have:

- Previous or current experience as a Senior Relationship Manager or Portfolio Manager - preferably in Agribusiness, Credit Manager or Like role
- Desire and ability to meet with customers in remote locations

**What's it like to work there?**

As well as good pay and a great culture, joining the Westpac family means you'll get some of the best banking, wealth and insurance benefits in the market. We back our employees by helping them work towards industry-recognised qualifications, using online learning, training modules and career planning tools for you to grow with us. We'll even pay you to do volunteer or community work. As an equal opportunity employer, we're proud to have created a culture and work environment that values diversity and flexibility - and champions inclusion.

**How do I Apply?