Put your lending expertise to work and help customers achieve one of life’s biggest milestones.

We're looking for a Credit Specialist to join our team, where you'll use your lending expertise and sound judgement to assess and decision home loan applications within delegated authority. Partnering with credit support specialists, brokers, lenders and key stakeholders, you'll apply sound credit judgement to balance customer outcomes with responsible lending practices and deliver timely, well-reasoned credit decisions and recommendations that support both our customers and the business.

What will your key responsibilities include?

- Assess and decision home loan applications within delegated authority.

- Analyse credit risk and provide recommendations for applications requiring higher approval authority.

- Partner with lenders and brokers to clarify requirements, gather information and support quality lending outcomes.

- Deliver exceptional service to internal and external stakeholders.

- Contribute to continuous improvement initiatives and support process enhancements.

What are we looking for?

- Demonstrated experience assessing home loan applications and applying lending policy, credit risk principles and responsible lending requirements.

- Strong credit risk analysis and decision-making capability, with the confidence to exercise a lending authority and make sound lending decisions.

- Ability to analyse complex financial information, identify risk and provide clear, practical recommendations.

- High attention to detail with a strong focus on assessment accuracy, quality and compliance and the ability to manage competing priorities.

- Strong communication and stakeholder engagement skills, with the ability to partner effectively with lenders and brokers,



clarify requirements and work through lending scenarios.

- A proactive, customer-focused mindset with a passion for delivering positive member outcomes.

What can you expect from us?

Our benefits are designed to help you thrive — in and out of work. Think health and wellbeing support like Fitness Passport, corporate health insurance and annual flu vaccinations, plus lifestyle perks including hotel discounts and flexible work arrangements. We also back what matters most with 18 weeks paid parental leave, recognition programs, an employee referral program, and dedicated time to give back (two community volunteer days and three recreational leave days each year).

Why join us?

- Growth & opportunities – Build your capability, stretch into new challenges and shape what’s next with development support behind you.

- Culture & connection – Be part of a team that’s inclusive, down-to-earth and genuinely connected, where collaboration is how we get things done.

- Meaningful work – Do work you can feel proud of, making a real difference for customers and communities every day.

- Recognised as a 2026 Employer of Choice Excellence Awardee, we’re proud to create a workplace where our people can grow, connect, and make a meaningful impact.

About us

As one of Australia’s largest customer-owned banks, we’re a driving force in customer owned banking,



operating under the trusted brands Greater Bank and Newcastle Permanent. With over 200 years of combined experience, we’ve helped hundreds of thousands of Australians achieve home ownership and provide a genuine alternative to the big banks—all while strengthening the communities we serve. At the heart of everything we do are our core values:

- Lead with heart – We genuinely care about achieving better outcomes for our customers and communities.

- Own the action – We build trust by doing things the right way, with honesty and transparency.

- Embrace prospect – We look ahead, focusing on our strengths and expertise to challenge the status quo.

- Thrive together – By working as one, we create the best possible future for our customers and communities.

Join a team shaping the future of trusted banking and make a real impact where it matters most.

NGM Group is committed to delivering trusted banking to enable our customers and communities to thrive. We do this by leading with heart, doing the right things in the right way, and by maintaining high standards of ethical behaviour in everything that we do. All applicants are therefore required to undergo a skills assessment, comprehensive background check, Bankruptcy Check and a Nationally Coordinated Criminal History Check.

We are also working to reflect the vibrant communities we serve. We believe in creating an inclusive, diverse, and supportive workplace where everyone can thrive. If you require adjustments to be made during the recruitment process or would like to discuss any accessibility requirements, your Talent Acquisition Partner will be happy to engage in a confidential discussion and assist. Your unique talents and perspectives are what make us stronger.

📌 Credit Specialist (Newcastle)
🏢 Newcastle Greater Mutual Group
📍 Newcastle