Senior Credit Manager | Residential Lending

A growing non-bank lender is looking for an experienced Senior Credit Manager to join their team in Melbourne. This is a key role for someone who understands residential lending inside and out, with a solid track record in the non-bank lending space.

About the Role

You'll be responsible for credit assessment, risk management, and decisioning across the residential lending portfolio, working closely with sales, operations, and senior leadership to ensure sound, commercially balanced credit outcomes.

Key Responsibilities

- Assess and approve residential lending applications within delegated authority
- Review complex credit submissions and provide clear, well-reasoned recommendations
- Manage credit risk across the residential loan book, identifying and mitigating exposure
- Develop and refine credit policy, procedures, and lending guidelines
- Mentor and support credit and lending team members
- Liaise with brokers, introducers, and internal stakeholders on complex deals




- Monitor portfolio performance and report on credit quality and trends
- Ensure compliance with responsible lending obligations and internal risk frameworks

What We're Looking For

- Minimum 5 years' experience in residential lending, with direct exposure to the non-bank / private lending sector
- Strong credit assessment and risk analysis skills, including complex and non-conforming deals
- Sound understanding of responsible lending obligations and regulatory requirements
- Excellent judgement, attention to detail, and ability to work autonomously
- Strong communication skills, with the ability to explain credit decisions clear to brokers and stakeholders
- Experience mentoring or leading junior credit staff (highly regarded)

Why Join Us

Be part of a growing, agile non-bank lender where your expertise directly shapes credit outcomes and business growth. We offer a collaborative culture, genuine autonomy, and the opportunity to make a real impact.

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📌 Senior Credit Manager (Melbourne)
🏢 FourQuarters Recruitment
📍 Melbourne