Hindsight Credit Manager at Heartland Bank Ltd

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

12 Mar, 26

Salary

0.0

Posted On

12 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Expertise, Analytical Skills, Critical Thinking, Decision-Making Skills, Communication Skills, Collaboration Skills, Credit Assessment, Policy Knowledge, Regulatory Understanding, Report Writing, Process Improvement, Risk Management, Attention to Detail, Continuous Improvement, Commercial Awareness, Stakeholder Engagement

Industry

Banking

Description

Hindsight Credit Manager We have an exciting opportunity for a Hindsight Credit Manager to join the Heartland Bank Australia team based in Melbourne, Sydney or Brisbane Australia. Is this your next role? You will provide independent credit assurance across the Group, focusing on Reverse Mortgages and Livestock Lending. You will play a key part in ensuring our credit risk policies, processes, and risk appetite are applied consistently and effectively. Does this sound like you? You are a credit risk expert with a strong analytical mindset and a passion for continuous improvement. You thrive in a collaborative environment, are committed to high-quality insights, and have a keen eye for detail. You are ready to contribute to a strong risk culture and help shape credit decision-making at Heartland Bank Australia. Key responsibilities Conduct hindsight reviews of credit applications and settled files across all business units. Evaluate credit decisions against Risk appetite, Group policies, and Commercial Perform reviews on adherence to approval processes and delegated authorities Execute the credit assurance program, including sector and portfolio reviews. Produce high-quality insights and review findings for stakeholders Collaborate with business and risk functions to support sound risk management practices. Recommend and implement process improvements based on findings You’re a pro with: Strong credit risk expertise, including credit assessment and policy knowledge. Experience in a similar role, such as credit review, credit risk, or Line 2 function preferably in Banking & Finance Understand relevant regulations (e.g., Consumer Credit Code, Code of Banking Practice). Strong analytical, critical thinking, and decision-making skills. Ability to produce high-quality written reports and insights. Excellent communication and collaboration skills. Qualifications/Certifications Tertiary qualifications in Commerce or Business are highly regarded. 3 years’ experience working for a bank or finance company preferred. Comprehensive knowledge of the rural and retail sector preferred. A bit about us and what we do At Heartland Bank Australia, we focus on providing Australians with specialist banking products that are the best or only of their kind. We do this digitally so our customers can spend more time on the things that matter most - instead of waiting in a queue to speak with someone at a bank. We're well-established in Australia and have been serving Australians since 1971. We're the leading provider of reverse mortgages and of specialist livestock finance. We're part of the Heartland group of companies which has more than 145 years of experience in financial services. Heartland is listed on the New Zealand and Australian stock exchanges (NZX/ASX: HGH) Can you see yourself here? Our values define who we are. We're innovative and always evolving. We work together as one team and have big ambition. We offer real opportunities for learning and career development. You can also get involved in driving change through our internal groups, including our rainbow committee, Growing Families, wellbeing and sustainability groups. Our perks include flexible working, regular team social activities and events, flu vaccinations and more. Diversity & inclusion At Heartland, we're proud to celebrate the many characteristics that make us different. We're committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers. We're an equal opportunity employer and we strongly encourage everyone to apply. Let us know if you need support throughout the application or interview process including a sign language interpreter or speech-to-text reporter. Feel free to share your pronouns in your application. Keen to learn more? To learn more about Heartland, check out our website heartlandbank.com.au or follow us on LinkedIn linkedin.com/company/heartland-bank-Australia Please note you must be eligible to work in Australia. Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people. Introduce yourself to our team and we'll get in touch if there's a role that seems like a good match. Across the Heartland group, we’re looking for people who will embrace the opportunities we provide to learn, contribute and make a difference. You’ll find meaningful work and an environment that is fast-paced, rewarding and supportive. The Heartland group is a digital financial services group of companies, which includes Heartland Bank in New Zealand and Heartland Bank in Australia (which includes our StockCo team).

Responsibilities

Conduct hindsight reviews of credit applications and settled files, ensuring adherence to risk appetite and group policies. Collaborate with business and risk functions to support sound risk management practices and recommend process improvements.