Ideal for an experienced credit professional looking for the next step in their career

Opportunity to influence lending quality and create great customer experiences

Supportive team and culture – Hybrid working options available

Join IMB Bank and play a key role in shaping quality lending outcomes across residential lending. We’re looking for an experienced and commercially minded Senior Credit Assessor who thrives on complex lending scenarios, sound risk judgement, and delivering exceptional service to customers and stakeholders.

The Role

As a Senior Credit Assessor, you’ll provide senior-level credit assessment and underwriting expertise across Residential Loans, and Commercial Loans where required. You’ll assess complex lending applications, provide technical guidance to the broader team, and help maintain a strong risk and compliance culture while supporting portfolio growth.

This is an opportunity to influence lending quality, mentor others, and contribute to continuous improvement initiatives within a collaborative and high-performing environment.

What you'll be doing

Assess and approve complex residential and commercial lending applications where required, including self-employed, company and trust structures

Apply advanced financial analysis, policy interpretation, and risk assessment skills

Manage policy exceptions and provide recommendations on escalated lending proposals

Partner closely with lenders to structure quality lending solutions

Coach and mentor Credit Assessors on complex scenarios and credit judgement

Support continuous improvement across lending systems, workflows, and processes

Ensure compliance with regulatory obligations, policies, and delegated authorities

Build strong relationships with internal stakeholders, valuers, solicitors, and mortgage insurers.

What you'll bring

Extensive experience in residential and/or commercial lending within banking environments

Strong credit analysis and financial assessment capability

Deep understanding of Australian lending regulations and responsible lending obligations

Excellent communication, negotiation, and stakeholder management skills

Strong coaching and mentoring capability

Commercial acumen with the ability to balance customer outcomes and risk management

High attention to detail and ability to manage complex workloads effectively.

At IMB Bank, you’ll be part of a values-driven organisation that supports professional growth, collaboration, and continuous improvement. You’ll have the opportunity to work with experienced professionals, contribute to meaningful transformation initiatives,



and make a real impact on customer outcomes and portfolio performance.

We are proud of our 145-year history helping members achieve their financial goals. As a member-owned bank, we’re focused on delivering great experiences, trusted service, and innovative solutions that make banking easier. An award winning and growing organisation, we’ve donated more than $13 million through our Community Foundation to over 1100 projects in the communities in which we live.

Additional benefits include:

- Collaborative and supportive team environment
- Ongoing learning and professional development opportunities
- Paid parental leave
- Study assistance
- Product concessions.

Applications close 13th September, 2026.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Having recently been recognised by Forbes Magazine as one of the world’s best banks based on a global survey of 40,000 banking customers, we like to think we are a compelling, alternative employer to the major banks and large corporations. Continuing to refine and build our capability, ensures IMB remains one of the country’s leading edge banks.

At IMB, we share a vision and a passion for continuously improving the way we do things – not only with our member’s needs and experiences at the core of our thinking, but in the interests of creating great experiences and learning opportunities for our people. We are undergoing an exciting growth and transformational agenda perfect for professional development and opportunity.

It’s our small to medium size and structure that makes us more nimble, easier to navigate and get things done. With a strong sense of camaraderie and respect for each other, our members and our business partners, the size of our company means we are able to connect easily and forge meaningful and beneficial relationships that help us succeed both professionally and personally.

For current and future employees with the ambition, drive, initiative and desire to kick goals and make a difference, IMB has a range of key strategic and operational initiatives under foot that will help build the capability and skills of our people and provide a sense of achievement and recognition.



Some of these initiatives have seen IMB at the forefront in banking, delivering competitive digital services and solutions to our members such as our Mobile App, Osko real time payments and a range of mobile wallets and our online mortgage application solution.

There’s a lot to do on our agenda and we are excited about the next phase of our growth… And of course we’ll keep having some fun along the way!

Our Size May Be To Your Advantage

Having recently been recognised by Forbes Magazine as one of the world’s best banks based on a global survey of 40,000 banking customers, we like to think we are a compelling, alternative employer to the major banks and large corporations. Continuing to refine and build our capability, ensures IMB remains one of the country’s leading edge banks.

At IMB, we share a vision and a passion for continuously improving the way we do things – not only with our member’s needs and experiences at the core of our thinking, but in the interests of creating great experiences and learning opportunities for our people. We are undergoing an exciting growth and transformational agenda perfect for professional development and opportunity.

It’s our small to medium size and structure that makes us more nimble, easier to navigate and get things done. With a solid sense of camaraderie and respect for each other, our members and our business partners, the size of our company means we are able to connect easily and forge meaningful and beneficial relationships that help us succeed both professionally and personally.

For current and future employees with the ambition, drive, initiative and desire to kick goals and make a difference, IMB has a range of key strategic and operational initiatives under foot that will help build the capability and skills of our people and provide a sense of achievement and recognition. Some of these initiatives have seen IMB at the forefront in banking, delivering competitive digital services and solutions to our members such as our Mobile App, Osko real time payments and a range of mobile wallets and our online mortgage application solution.

There’s a lot to do on our agenda and we are excited about the next phase of our growth… And of course we’ll keep having some fun along the way!

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📌 Senior Credit Assessor (Melbourne)
🏢 IMB
📍 Melbourne