Why This Role Is a Strong Next Step

This role is particularly well suited to credit professionals currently working within a major Australian bank who are looking to broaden their credit expertise beyond traditional lending. The core skills transfer directly - financial statement analysis, credit risk assessment, and decision-making within a Delegated Lending Authority (DLA) framework - but the scope is broader and more varied, spanning bonds, credit and construction warranty risk rather than a single product line.

You'll get closer exposure to senior stakeholders, brokers and distribution partners, more autonomy over how deals are structured, and a genuine opportunity to help shape credit policy and process in a business that is actively scaling - rather than operating within an established, highly structured framework.

Role Purpose

We are seeking an experienced Creditl Relationship Manager to join a dynamic Commercial Bonds team. This is a crucial role focused on technical credit assessment and the active management of an existing portfolio.

You will be responsible for assessing new applications from distribution partners and managing relationships with key stakeholders, ensuring the portfolio's health and alignment with credit policy. This is an ideal position for a skilled credit professional - including those with a business or commercial banking credit background - who excels in analysis and stakeholder management and is passionate about excellent customer service.

Role Responsibilities

1. Credit Assessment & Analysis

• Apply sound credit assessment and decision-making skills for a diverse portfolio of commercial clients.
• Manage the end-to-end credit assessment process for new applications (from distribution partners and direct clients) and the existing portfolio (including annual renewals and ad-hoc assessments).
• Conduct thorough due diligence, gathering all relevant underwriting information and market research to support credit decisions.
• Assess client information, financial statements, and industry data to make credit decisions within Delegated Lending Authority (DLA) or deliver well-supported reco
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