JS Careers is currently sourcing a newly created Head of Credit role with one of Australia's leading non-bank lenders.This exciting new leadership role will be responsible and accountable for the end-to-end credit underwriting function.
You will lead a team of credit underwriters and ensure the business makes consistent, high-quality credit decisions that meet credit policy and regulatory obligations while it grows a pool of high-quality mortgages.Own the credit underwriting function and be accountable for the quality and consistency of all decisions;Ensure all lending decisions meet credit policy requirements and regulatory obligations;Apply adaptable, commonsense credit assessment across all target segments;Make and support complex credit decisions, and act as the escalation point for the team.JS Careers is currently sourcing a newly created Head of Credit role with one of Australia's leading non-bank lenders.This exciting new leadership role will be responsible and accountable for the end-to-end credit underwriting function.
You will lead a team of credit underwriters and ensure the business makes consistent, high-quality credit decisions that meet credit policy and regulatory obligations while it grows a pool of high-quality mortgages.Key responsibilitiesCredit underwritingOwn the credit underwriting function and be accountable for the quality and consistency of all decisions;Ensure all lending decisions meet credit policy requirements and regulatory obligations;Apply flexible, commonsense credit assessment across all target segments;Make and support complex credit decisions,



and act as the escalation point for the team.Portfolio and policySupport the growth of a high-quality mortgage portfolio;Contribute to the development and review of credit policy as the business grows and its product range evolves;Work with risk and compliance partners so the division operates within the risk framework.LeadershipLead, coach, and develop a team of credit underwriters;Maintain responsive, high-touch service for broker partners, with timely and clear credit outcomes;Build a culture of accountability, sound judgement, and continuous improvement.Executive contributionWork as a valued member of the executive team, with the CEO and peers, to shape strategy and growth;Provide credit insight to inform pricing, product, and distribution decisions.Required ExperienceThis role will suit an experienced credit professional, with a minimum of 10 years of experience, ideally with an Australian non-bank lender.Candidates must possess:Substantial credit underwriting experience in residential mortgage lending, ideally with a non-bank or specialist lender;Experience leading, or acting as second-in-charge of, a credit or underwriting team;Strong understanding of non-prime, self-employed, commercial, and larger-loan lending;Working knowledge of the regulatory framework for credit, including responsible lending obligations.CapabilitiesSound, independent credit judgement, with the confidence to make and explain decisions;Ability to balance growth with credit quality and policy discipline;Strong leadership, coaching, and stakeholder skills, including with brokers and executives;A service mindset and a commercial, solutions-focused approach.For further information or a confidential career discussion, please reach out to Jacob Smith - ***email_hidden***
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📌 Head Of Credit (Sydney)
🏢 JS Careers Pty
📍 Sydney