Credit Risk Manager

Shape Lending Decisions That Matter

An opportunity is available for an experienced Credit Risk Manager to join a growing financial services organization focused on delivering responsible lending outcomes across commercial and consumer finance. This senior role provides independent second-line credit risk oversight, supporting sound lending decisions while balancing commercial objectives with effective risk management. Working closely with lending teams and senior stakeholders, you will help ensure lending activities remain aligned with the organization's risk appetite, governance framework, and regulatory requirements.

About the Role

Reporting to the Risk function, you will provide independent oversight and advice across a portfolio of commercial property finance and consumer lending products. You will contribute to complex lending transactions through independent credit assessment, deal structuring, and credit decisioning while helping shape lending products, policies, and frameworks that support sustainable growth.

Key responsibilities include:

- Providing independent second-line credit risk oversight for commercial and consumer lending activities.
- Assessing complex lending proposals and delivering balanced, commercially informed credit decisions.
- Reviewing and challenging lending structures, policy exceptions, and product enhancements.
- Monitoring portfolio performance, identifying emerging risks, and recommending appropriate mitigation strategies.
- Maintaining and continuously improving the Credit Risk Framework, policies, and governance processes.
- Supporting the development of new lending products and strategic initiatives through independent risk advice.li>
- Collaborating with lending teams and external advisers, including valuers, solicitors, and financial consultants.




- Preparing high-quality risk assessments and recommendations for senior leadership and governance committees.
- Assisting in the management of higher-risk or distressed credit exposures where required.

Flexible working arrangements are available for the right candidate.

About You

You are an experienced credit risk professional with strong commercial acumen and the confidence to provide independent, evidence-based challenge.

You will ideally bring:

- At least five years' experience in senior credit risk, commercial banking, or institutional lending.
- Demonstrated experience assessing complex commercial lending transactions.
- Significant delegated lending authority, ideally exceeding $10 million.
- Strong understanding of credit risk frameworks, governance, and regulatory obligations.
- Experience across the full lending lifecycle, from origination through ongoing portfolio management.
- Proven ability to manage complex credit exposures and emerging portfolio risks.
- Excellent analytical, negotiation, and stakeholder management skills.
- Strong written communication skills, including preparing papers for executive and governance forums.
- Relevant tertiary qualifications in Business, Finance, Accounting, Economics, or a related discipline (or equivalent industry experience).
- Exposure to both commercial and consumer lending environments will be highly regarded.

Why Join?

This role offers the opportunity to influence strategic lending decisions within a collaborative, values-driven environment that encourages innovation, professional growth, and continuous improvement.

The successful candidate will benefit from:

- Flexible and hybrid working arrangements.
- Additional wellbeing and community volunteering leave.
- Professional development and career progression opportunities.
- Competitive employee benefits.
- A team-oriented and supportive workplace culture that values diverse perspectives and continuous learning

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📌 Credit Risk Manager - Line 2 Risk (Perth)
🏢 Core Talent
📍 Perth