[Hiring] Senior Credit Manager @D2B

Role Description

We are seeking a Senior Credit Manager to lead a high-performing credit unit and serve as the final technical authority on complex "grey area" lending scenarios. In this role, you will be the primary sounding board for a senior-level underwriting team, providing expert guidance on million-dollar loan structures that fall outside traditional banking criteria. This is a role for a technical master who "walks the talk" and possesses the lender-side seniority to command respect from seasoned credit professionals.

Responsibilities

• Technical Decision Making: Act as the ultimate authority for complex self-employed scenarios, navigating "grey areas" and providing definitive quotes where standard policy may be ambiguous.
• Senior Leadership: Manage a high-caliber team, including a Senior Underwriter and a Credit Analyst. Provide the technical mentorship and final sign-off for their most complex files.
• Credit Oversight: Oversee all credit lodgements to ensure they meet the highest standards of accuracy and "right first time" approval rates.
• Lender Relationship Management: Liaise directly with BDMs and senior credit assessors at 2nd-tier Australian lenders to overturn declines and negotiate conditions.
• SLA Governance: Ensure the credit team maintains strict compliance with internal Service Level Agreements (SLAs), maintaining the firm's reputation for speed and reliability.

Qualifications

• Lender Experience (Mandatory): Extensive experience (8+ years) working within an Australian 2nd-tier lender (e.g., Pepper, Liberty, La Trobe).
• Authority & DLA: Proven experience holding a high Delegated Lending Authority (DLA) and managing/leading a credit assessment team.
• Self-Employed Mastery: Expert ability to analyze complex financial structures, including company tax returns, trust distributions, and add-back scenarios.
• Strategic Thinking: Ability to look beyond the "box" to find viable lending pathways for high-net-worth borrowers.

Nice to Have

• Scenario Architect Skills: Previous experience in a "Credit Coach" or "Scenario Desk" role within a specialist lender, specifically handling complex commercial-to-residential crossovers.
• Advanced Accounting Knowledge: A deep understanding of corporate tax portals and the ability to reconcile complex inter-entity loan accounts.