The Credit Manager - Commercial Credit is responsible for overseeing the assessment of credit applications within the Commercial Lending space. The role involves identifying and supporting the development needs of staff, ensuring compliance with legislative and regulatory requirements, and providing specialist advice on credit processes and procedures. The Credit Manager will also have delegated underwriting authority to approve loan applications and will be a key subject matter expert for complex credit-related issues.

Banking is changing and we re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you ll be building your future, while helping to build ours.

Role Type: Permanent

Role Location: Manyata Tech Park - Hybrid

What will your day look like

As a Credit Manager you will:

• Identify opportunities for process improvements (e.g., Kaizen ideas) to decrease cost per transaction in the Small Business Assessment process
• Monitor and report on customer-driven service level metrics to ensure the delivery of quality service.
• Act as the primary point of contact for escalated customer issues, providing expert guidance and resolution.
• Resolve complex customer concerns by applying advanced credit knowledge and judgment.
• Conduct thorough creditworthiness assessments and make sound decisions using the Credit Approval Document (CAD), ensuring alignment with Group credit policies and principles.
• Proactively engage with stakeholders to explore alternative credit structures that can make proposals more acceptable.
• Contribute to performance planning, identify training needs, and provide ongoing coaching and guidance to team members.
• Coach and mentor new and existing staff to ensure compliance with CAD and related credit processes.
• Serve as a technical expert, ensuring all credit and risk processes meet legislative and regulatory standards (including ASIC, APRA, etc.).
• Effectively communicate credit and risk objectives to ensure that staff are informed, compliant, and aligned with regulatory requirements

What will you bring

To grow and be successful in this role, you will ideally bring the following:

• Experience: Minimum 3-4 years in Credit Underwriting, preferably in Home Loans or Small Business Assessment. (Mandatory)
• Governance: Experience with or understanding of governance processes is required.
• Performance: Must be rated as a Strong Performer or higher.
• Knowledge: In-depth knowledge of Credit policy and relevant legislative requirements (including ASIC, APRA, etc.).
• Skills: Strong communication, coaching, and influencing abilities.
• Problem-Solving: Capable of handling complex conversations and taking a proactive approach to problem-solving.
• Analytical Skills: Strong analytical abilities with quick decision-making capabilities
• Decision-Making: Ability to make sound, timely, and informed decisions in complex situations.
• Coaching Development: Experience in developing others through effective coaching, feedback, and training.
• Compliance Risk Management: A strong understanding of compliance requirements and the ability to navigate regulatory landscapes effectively

Role: Credit Manager

Industry Type: Banking

Department: BFSI, Investments & Trading

Employment Type: Full Time, Permanent

Role Category: Lending

Education

UG: Any Graduate

PG: Any Postgraduate

About company

ANZ Bengaluru began its journey 34 years ago in 1989 and is critical to the delivery of ANZ’s operations and strategy. Well established in Bengaluru, we are the largest Banking Operations and Technology Capability Centre of ANZ outside Australia with more than 7,500 full-time employees.

We provide banking operations services like Retail, Commercial and Institutional banking, Trade Finance, and Technology. We also specialise in the areas of Economic Research, Risk Analytics, Client Insights, and Credit Decisioning.