Credit Manager

• 12-month Fixed Term Contract

Ready to shape the future of our Credit function

?

We're looking for a Credit Manager to lead a high‑performing operational team and support the Head of Credit Operations in delivering strong customer and business outcomes. This role is key to achieving NGM’s strategic objectives. You'll ensure home loan applications are assessed in line with policy, risk frameworks, and credit guidelines, while overseeing and improving workflows to support efficient and compliant processin

g.

As the home‑lending subject matter expert, you’ll hold a higher delegated lending authority and use it daily to approve applications and guide decision‑making across the team. You’ll develop and coach your team, building capability and driving performance to ensure consistent, high‑quality outcomes for our custome

rs.

If you’re passionate about credit, leadership, and operational excellence, this is your opportunity to make a meaningful imp

act.

What will your key responsibilities incl

• ude? Lead day‑to‑day Credit operations to ensure timely, accurate and compliant processing of home loan applica
• tions.Approve, recommend or decline loans within your DLA, and support the team with complex or escalated applica
• tions.Maintain strong quality and risk controls across all credit deci
• sions.Drive productivity by tracking team performance and ensuring service levels are consistentl
• y met.Identify opportunities to streamline processes and improve work
• flows.Provide subject matter expertise in mortgage underwriting and credit p
• olicy.Build strong internal relationships and partner effectively with key stakeholders, including LMI providers and va
• luers.Deliver insights and feedback to support strategic and operational initia
• tives.Coach and develop to build team capability and lift perfor
• mance.Role model exceptional customer service and champion a positive, high‑performing team cu

lture.

What are we looki

• ng for? Proven previous experience as a Credit Manager, with responsibility for credit assessment, decision‑making, and adherence to lending policies and regulatory requi
• rements.At least 5 years’ ex perience with a Delegated Lending Authority for mortgage credit p
• roducts.Proven exp erience leadin g a team and driving outcomes across people, customer outcomes, projects or key init
• iatives.Strong understan ding of regulatory and compliance requ irements, including NCCP, COBA Code of Practice, RG 209 and relevant APRA prudential st
• andards.Certificate IV (or equivalent) in Finance, Banking or Management; tertiary qualificati ons are highly r
• egarded.Experience m anaging credit workflows, processes and file quality in a fast‑paced envi
• ronment.Delivers high‑quality, accurate work and confidently assesses complex info
• rmation.Supports and influences others through change, helping teams move forward with
• clarity.Thinks critically and solves problems with confidence and sound ju

dgement.

What can you expect

from us?

NGM Group employees can take advantage of the following w

• ork perks:Health and wellbeing; Fitness passport, corporate health insurance and annual flu v
• accination.Lifestyle and giving back; Hotel discounts, 18 weeks paid parental leave, two community volunteers days and three recreational leave day
• s per year.Professional advancement; Flexible work arrangements, recognition programs and employee referr

al progr

am.

About usWe’re NGM Group, and we offer retail banking services to more than half a million Australians under the brands Greater Bank and Newcastle Permanent. We have fresh energy and big goals for our customers, and our people are key to us achieving this success. If you’re ready to be part of a team that puts the customer first and enjoys a challenge as the path to growth and innovation, then …

we want you!Collectively, we’re the largest customer-owned bank based on net assets and the 10th largest Australian-owned bank for household deposits. A financial powerhouse headquartered in the Hunter, we have a workforce of more than 1,800 people and total assets of more than

$20 billion.

Click here to learn m

ore about NGM

NGM Group is committed to delivering trusted banking to enable our customers and communities to thrive. We do this by leading with heart, doing the right things in the right way, and by maintaining high standards of ethical behaviour in everything that we do. All applicants are therefore required to undergo a ski lls assessment, comprehensive ba ck ground check, Ba nkruptc y Check and a Nationa l

Police Check.

We are also working to reflect the vibrant communities we serve. We believe in creating an inclusive, diverse, and supportive workplace where everyone can thrive. If you require adjustments to be made during the recruitment process or would like to discuss any accessibility requirements, your Talent Acquisition Partner will be happy to engage in a confidential discussion and assist. Your unique talents and perspectives are what ma

ke us stronger.