WIB Credit Officer, Level 2

Westpac; Sydney; On-site; AUD 90,000 - 130,000; Full time

Job summary

Westpac Institutional Bank is seeking a WIB Credit Officer – Consumer and Industrial in Sydney. You’ll review credit proposals, assess risks, and make informed decisions within your delegated authority.

You’ll partner with relationship managers and risk teams to support sound lending decisions and monitor portfolio performance. You’ll build relationships across the business, shape credit strategies, and contribute to a disciplined risk culture while developing strong credit judgement in a

Qualifications

• Experience assessing, managing and decisioning credit risk across industries.
• Strong analytical capability to identify risks and inform decisions.
• Ability to operate within delegated authority for higher‑value transactions.
• Stakeholder management and communication skills to influence discussions.
• Collaborative, proactive mindset to manage competing priorities in a fast-paced environment.

Responsibilities

• Review credit proposals and identify key risks.
• Make sound lending decisions within delegated authority.
• Monitor portfolio performance and identify emerging risks.
• Support credit strategies and provide guidance to risk teams.
• Partner with relationship managers to balance risk and growth.

Skills

Credit risk assessment

Credit analysis

Delegated authority

Stakeholder management

Prioritisation

Job description

Create your best future and join Westpac as a WIB Credit Officer – Consumer and Industrial

What’s the role?

You’ll play a key role in assessing and managing credit risk across a broad portfolio of Consumer and Industrial clients within Westpac Institutional Bank. Based in Sydney, this is a full‑time permanent opportunity where you’ll partner closely with relationship managers and risk teams to support sound lending decisions.

Day to day, you’ll review credit proposals, identify key risks, and make informed decisions within your delegated authority. You’ll build strong relationships across the business, offering clear guidance on risk and helping shape credit strategies. You’ll also monitor portfolio performance, identifying emerging risks early and supporting practical, balanced solutions.

This role offers the opportunity to develop your credit judgement while contributing to a consistent and disciplined risk culture.

What do I need?

• Experience assessing, managing and decisioning credit risk. Direct experience and strong competencies across a range industries within a corporate customer client set. The role also requires an understanding of various lending structures ranging from acquisition finance, asset finance and trade finance.
• Strong analytical capability, with the ability to identify key risks and make sound, balanced credit decisions
• Confidence to operate within delegated authority, making considered decisions on higher‑value transactions
• Strong stakeholder management and communication skills, including the ability to influence and handle challenging conversations
• A collaborative, proactive mindset with the ability to manage competing priorities in a fast‑paced environment
• A growth mindset - we’re open to outstanding candidates with less experience who demonstrate strong fundamentals and clear potential to develop.

Our Promise to You

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:

• Ongoing special offers on banking products and discounts from top brands, including generous employee-only mortgage rates!
• Continued 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.

If you need any adjustments during the recruitment process, you can find more information and contact details on our FAQs and how to contact us page ,under the ‘Diversity, sustainability and flexibility’ section.