Credit Manager, Regional Commercial & Agribusiness

Westpac Bank; Melbourne; Hybrid; AUD 90,000 - 130,000; Full time

Job summary

Westpac Bank is seeking a Credit Manager for Regional Commercial & Agribusiness to support growth with sound credit decisions.

You will review submissions, structure deals and monitor portfolios across Australia, working with stakeholders to apply credit policy in practice and protect credit quality. This full-time permanent role offers flexible arrangements (2 days in office) across the Regional Commercial & Agribusiness segment.

Qualifications

• You’re comfortable assessing and structuring credit deals, making sound decisions that balance risk and customer needs, ideally within business and agribusiness lending.
• You can interpret and apply credit policies in a practical, real-world way to support business outcomes.
• You build strong relationships with stakeholders, using your communication skills to influence and guide decisions.
• You stay across your portfolio, proactively identifying risks and taking action to maintain credit quality.
• You’re organised and adaptable, able to manage multiple priorities while maintaining attention to detail.

Responsibilities

• Review and approve credit submissions within delegated authority.
• Support complex deals through the approval process, balancing risk and opportunity.
• Monitor portfolio, identify emerging risks and protect credit quality.
• Act as a trusted advisor on applying credit policy in practice.
• Assess transactions, structure deals and ensure appropriate risk management.

Skills

Credit judgement

Commercial thinking

Relationship management

Communication skills

Portfolio monitoring

Attention to detail

Job description

Credit Manager, Regional Commercial & Agribusiness

Create your best future and join Westpac as a Credit Manager, Regional Commercial & Agribusiness

What’s the role?

As a Credit Manager, you’ll play a key role in supporting regional commercial and agribusiness customers by making well-informed credit decisions that enable sustainable growth. You’ll work independently from relationship management, focusing on assessing transactions, structuring deals, and ensuring credit risk is appropriately managed.

You’ll review and approve credit submissions within your delegated authority and support more complex deals through the approval process, bringing a balanced view of risk and opportunity. Alongside this, you’ll monitor your portfolio, identify emerging risks and work proactively to protect credit quality.

You’ll also act as a trusted advisor, helping stakeholders interpret credit policy and apply it in a practical way.

This is a fulltime/permanent role with flexible working arrangements across Australia (2 days in office), supporting customers and teams in the Regional Commercial & Agribusiness segment.

What do I need?

You’ll bring strong credit judgement, commercial thinking and the ability to confidently navigate complex lending decisions.

• You’re comfortable assessing and structuring credit deals, making sound decisions that balance risk and customer needs, ideally within business and agribusiness lending
• You can interpret and apply credit policies in a practical, real-world way to support business outcomes
• You build strong relationships with stakeholders, using your communication skills to influence and guide decisions
• You stay across your portfolio, proactively identifying risks and taking action to maintain credit quality
• You’re organised and adaptable, able to manage multiple priorities while maintaining attention to detail

We’re obsessed with becoming our customers' #1 banking partner for life and we’re looking for people who are passionate about helping us achieve that goal. In return, we’re committed to making Westpac the best place to work in the country. Here are just a few of the ways we’re already doing that:

• Special offers on banking products and discounts from top brands, including generous employee-only mortgage rates!
• Flexible work arrangements to help you achieve a greater work/life balance, and a variety of leave options including Culture, Lifestyle and Wellbeing leave.
• Tailored learning and development opportunities to help your grow your career within the bank.
• Lots of opportunities to ‘give back’ to the Community by getting involved in our many volunteering initiatives.

Create your future today

We’re all about creating a supportive and inclusive community. We welcome everyone - no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.