Commercial Credit Manager

A bit about the role

We are seeking an experience Commercial Credit Manager to take a key role in supporting our commercial business strategy.

Reporting to the Head of Credit, you will be responsible for increasing BNK’s Commercial Lending balance sheet portfolio through managing and underwriting conforming Commercial Lending applications. You will also be tasked with managing the commercial lending analysts ensuring that the team is focused on providing quality service to our introducers while working within BNK’s Credit Policy.

What you will bring

• Hold current commercial DLA of $1.5m or above
• Minimum of 5 years demonstrated Banking/Financial Services Secured Commercial Underwriting Experience
• Minimum 3 years’ experience in Alt Doc lending
• Demonstrated understanding of regulatory requirements applying to the financial services sector
• Deep working knowledge of Credit Risk and Responsible Lending
• Tertiary qualification in a finance or business related discipline and/or Cert IV in Mortgage Broking & Finance or higher
• AML Certification

Key Responsibilities

Manage a team of commercial credit analysts including ensuring that day to day output and conversion rate expectations are met.

Analyse & approve commercial loan applications under delegation or higher referral which includes equipment/ asset finance.

Managing a portfolio of commercial loan applications from application through to formal approval.

Proactively engaging with senior key stakeholders to raise awareness of credit risk weaknesses and assist with developing remediation actions.

Maintain the compliance schedule for annual reviews on commercial portfolios.

Ensure service standards and turnaround times (SLA’s’) are consistently met/exceeded in terms of agreed times with our partners.

About BNK

We offer simple and easy to understand deposit accounts and mortgages under a number of brands: Goldfields Money, complemented by the Better Choice Home Loans brand, distributed via mortgage brokers nationally. This unique combination allows us to develop competitive products that meet its changing customer needs, leveraging its low-cost, technology-driven model.

We are focused on becoming a challenger bank of scale through building its product portfolio, growing its diversified distribution network, and pursuing technology enabled partnering opportunities.

With a proven ability to originate deposits and to generate assets and excellent growth across the loan book, deposit book we are strongly positioned to accelerate growth with a proven track record across key performance metrics.

Why you will love working at BNK Bank

• The BNK Culture, specifically the positive vibes, capability and enthusiasm in the business which is apparent from the moment you walk through the door
• Based in our centrally located Sydney office.
• Flexible working arrangements available.
• Collaborative team environment where real people work together to leverage their strengths so that they can help more customers achieve their banking goals.

BNK Culture

Our culture is all about teamwork and is underpinned by 5 core values;

• Work hard - Successful people have a special trait, they work hard, they don’t give up, they learn from failure and then they succeed on purpose
• Innovation - Think big, remain flexible, stay ahead of the curve and get the job done
• Trust - Protect the trust we build with our customers and each other. It is hard to build and easy to lose
• Humility - Let others shine by helping them achieve more than they thought was possible
• Unity - We are in this together, even when the going gets tough

If you have any questions regarding the position, please contact ***email_hidden***