Senior Manager Commercial Credit

Description:

As Senior Manager in the Credit Risk Team, you will lead a team of five across Victoria in the management of credit approval, portfolio management and credit policy. Whilst also leading with the relevant controls and process, systems and data management. With senior credit delegation for the team, you will be responsible for the credit quality and control environment supporting the diversified portfolios in the Commercial Business, credit controls and processes. Working in a fast-paced environment you will work with the business on strategy, urgent delivery and solutions. Your role will also include:

• Ensure that all credit decisions are soundly based, involve appropriate research/analysis, and reflect the Bank's current underwriting standards, policies, and risk appetite for the segment. Applies appropriate hindsight feedback to team members to support skill development.
• Ensure that credit decisions are communicated in a constructive manner including consideration of alternatives to make the risk acceptable.
• Work with the Executive Manager, diversified on the development and implementation of credit risk policies and the operational processes and controls to support credit policy requirements.
• Provide regular senior management reporting and analysis to ensure the appropriate governance and escalation of credit issues, including credit risk concentration, impairments, emerging issues, and incidents.
• Lead the Diversified Credit team in Victoria including leading and embedding risk culture, including employee selection, performance management, development, and succession planning.
• Engage, inform, influence, and negotiate with stakeholders, particularly key business stakeholders to ensure Business objectives are met within risk appetite.