Credit Supervisor - Business Banking

Bank Australia Limited; Greater Bendigo; Hybrid; AUD 110,000 - 160,000; Full time

Benefits offered by this job

Flexible working options

Competitive salary + 14% superannation

24/7 free counselling

Free flu vaccinations

Discounted gym memberships

Study assistance

Paid parental leave

Volunteer, bereavement, gender-affirm

Job summary

Bank Australia, formed by the merger with Qudos Bank, seeks a Credit Supervisor for Business Banking to deliver high-quality SME lending outcomes. You will assess proposals, apply policy, and provide expert credit guidance across stakeholders.

Join a purpose-driven bank with flexible working options, strong values, and a focus on wellbeing and inclusion. You will shape lending outcomes and risk practices while supporting team development.

Qualifications

• Extensive experience in banking and lending with SME/commercial focus.
• Strong credit assessment and structuring skills with sound judgement.
• Proven ability to provide credit guidance to Relationship Managers and stakeholders.

Responsibilities

• Assess and approve SME and commercial lending proposals in line with policy and risk appetite.
• Exercise Delegated Lending Authority with timely, balanced credit decisions.
• Provide specialist credit guidance to Business Banking Relationships and stakeholders.
• Partner with the Business Banking team to support lending excellence and strategy.
• Maintain compliance with regulatory requirements and bank policies.
• Develop deep knowledge of SME lending trends and risk practices.

Skills

Banking experience

Credit assessment

Stakeholder management

Analytical thinking

Education

Bachelor's degree in Business/Banking or related field

Tools

Microsoft 365

CRM systems

Job description

Collingwood, Bendigo, Moe, Traralgon or Mascot

Through the merger of Bank Australia and Qudos Bank we’re creating a better, stronger and more resilient bank for our customers and employees. As one company with two trusted brands, we’re building on the strong foundations of our history and shared values as we bring together the best of both banks.

As Credit Supervisor - Business Banking, you will provide specialist credit expertise and support to the Business Banking team, helping to deliver high-quality lending outcomes for SME and commercial customers. You will assess and approve lending proposals within your Delegated Lending Authority, provide trusted credit guidance to stakeholders, and contribute to the ongoing integrity, quality and compliance of the bank’s business lending portfolio.

• We have big plans to become Australia’s most trusted bank and a leading purpose-driven business.
• As a certified B Corp, we’re part of a global business community who meet the highest social and environmental standards, putting purpose over profit.
• Every role and person in our bank is essential to bringing our values, purpose and aspiration to life.
• We offer flexible working options, competitive salary and 14% super.
• Our staff have access to a range of meaningful benefits to support their physical and mental wellbeing including 24/7 free counselling, free flu vaccinations and discounted gym memberships.
• We also support staff with study assistance, paid parental leave (regardless of gender), volunteer, bereavement, gender affirmation and family violence leave; and the opportunity for bonus annual leave.
• We support our staff to grow their careers through learning and development and an organisational culture where we reward and recognise innovation and values, not long hours.
• We are committed to building an inclusive culture and a diverse workforce that reflects the Australian community.
• We care for a conservation reserve – where we work with key partner organisations to protect threatened species and involve staff in conservation.

What you will be doing

• Assess and approve SME and commercial lending proposals, ensuring decisions align with credit policy, risk appetite and business objectives.
• Exercise Delegated Lending Authority with sound judgement, providing timely, balanced and commercially focused credit decisions.
• Provide specialist credit guidance and support to Business Banking Relationship Managers and other stakeholders across the lending process.
• Partner with the broader Business Banking team to support lending excellence and contribute to the delivery of the Business Banking strategy.
• Maintain compliance with regulatory requirements, industry standards and the bank’s policies, procedures and governance frameworks.
• Develop and maintain deep knowledge of SME and commercial lending, industry trends and credit risk practices.
• Support the coaching, development and upskilling of Business Banking team members to strengthen credit capability across the function.
• Contribute to audit, quality assurance and continuous improvement activities to support strong portfolio quality, risk management and customer outcomes.

What you will bring

• Strong experience in banking and lending, with a strong focus on SME and commercial lending.
• Demonstrated credit assessment and credit structuring expertise, with the ability to make sound, balanced and commercially focused lending decisions.
• Previous experience in a credit, credit risk or credit approval role, with a strong understanding of lending policies and risk management principles.
• Strong commercial acumen, analytical thinking and judgement, with the ability to assess complex lending scenarios and provide quality recommendations.
• Excellent communication, stakeholder management and collaboration skills, with the ability to influence and support business outcomes across teams.
• High attention to detail and strong organisational skills, with the ability to prioritise workloads and meet deadlines in a fast-paced environment.
• A resilient, adaptable and customer-focused approach, with the commitment to delivering exceptional outcomes and continuous improvement.
• Proficiency in Microsoft 365 applications; qualifications in business, banking or a related discipline will be highly regarded.
• Commitment to Bank Australia’s purpose, aspiration, values and brand as well as the B Corp ethos

Bank Australia is an equal opportunity employer committed to sustainable development. We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people, people from different cultural backgrounds and people with disabilities because we want to reflect the diversity of our communities. We are committed to making reasonable adjustments to provide a positive, barrier-free recruitment process and supportive workplace.