Credit Manager – Real Estate

Property Finance | Credit Structuring & Decisioning An established Australian bank is looking to appoint a Credit Manager to join its real estate lending team, with a specific focus on construction finance.

This is an opportunity for an experienced banking credit professional to take responsibility for assessing, structuring and decisioning commercial real estate transactions, working closely with relationship managers and clients across a range of property development and construction projects.

Key Responsibilities

- Assess, structure and decision commercial real estate lending transactions, with a focus on construction and development finance.
- Review credit proposals, financial models, feasibility studies, valuations and project cash flows.
- Assess development risk, including loan-to-value ratios, loan-to-cost ratios, pre-sales, construction costs and project viability.
- Evaluate borrower and sponsor financial strength, equity contributions and repayment capacity.
- Identify key transaction risks and develop appropriate lending structures, security arrangements and credit mitigants.
- Prepare and review detailed credit submissions and recommendations.
- Work closely with relationship managers, clients, valuers,



lawyers and other internal stakeholders.
- Monitor credit exposures and ensure transactions remain within the bank's risk appetite and lending policies.
- Provide credit guidance and support to the broader real estate lending team.

The Ideal Candidate
- Experience within a domestic or international bank in a credit analysis, credit structuring or credit risk capacity.
- Strong experience assessing and structuring commercial real estate lending transactions.
- Specific exposure to construction and development finance is highly desirable.
- Strong understanding of property valuations, development feasibility, construction risk, loan structures and security arrangements.
- Ability to independently assess complex transactions, identify key risks and formulate appropriate credit solutions.
- Strong financial analysis, modelling and credit writing capabilities.
- Confident engaging with relationship managers and senior stakeholders to drive commercial lending outcomes.

For an experienced banking credit professional looking to specialise further in real estate and construction finance, this is an excellent prospect to join a growing lending team.

📌 Credit Manager / Associate Director (Sydney)
🏢 Foundry Talent Partners
📍 Sydney