Analyst Loans Management (Business)

Westpac New Zealand; New Zealand; On-site; NZD 90,000 - 125,000; Full time

Benefits offered by this job

4 weeks holiday

Wellbeing leave

Parental leave top‑up

Volunteer days

Career growth

Banking benefits

Job summary

Westpac New Zealand is seeking an Analyst to join the Loans Management Business, focusing on stressed and impaired lending exposures. You will develop practical, commercially sound solutions balancing recovery and customer fairness.

You will analyse financial statements, prepare submissions, set risk grades, and collaborate with stakeholders to manage outcomes within the Risk team.

Qualifications

• Strong financial analysis capability including debt servicing and cashflow.
• Knowledge of lending products, credit processes and facility/security documentation.
• Ability to negotiate and influence to achieve balanced outcomes for the Bank and customers.
• Excellent communication skills for challenging and sensitive conversations.
• Sound judgement, commercial awareness and attention to detail.
• The resilience to operate calmly and professionally in high‑pressure or difficult situations.
• A collaborative mindset, with the ability to work autonomously and manage competing priorities.

Responsibilities

• Managing strategies for a portfolio of stressed and impaired lending exposures.
• Analyzing financial statements, budgets and cashflow forecasts to inform credit decisions.
• Preparing credit and funding submissions, along with interim, quarterly and annual reviews.
• Setting and reviewing Risk Grades, Security Quality Indicators and provision requirements.
• Engaging with customers to explore rehabilitation or exit strategies where appropriate.
• Liaising with external parties including solicitors, accountants, valuers and insolvency practitioners.
• Maintaining accurate file notes, reporting and system records.
• Working collaboratively across the LMB and wider Risk teams to manage workflows and outcomes.

Skills

Financial analysis

Credit knowledge

Negotiation

Communication

Judgement

Resilience

Collaboration

Prioritisation

Job description

Analyst – Loans Management Business

Specialised Business Services | Risk
Full time

Mō te tūranga | About the role

At Westpac New Zealand, we have a proud heritage and a strong commitment to supporting our customers, communities and people. We’re looking for a capable and resilient Analyst to join our Loans Management Business (LMB) team within Specialised Business Services, where you’ll play a key role in managing stressed and impaired lending exposures.

Reporting to the Manager, Loans Management Business, you’ll be responsible for managing a portfolio of stressed loans and impaired assets (generally <$5m TCE, Risk Grade E or below). Your focus will be on achieving effective and timely run‑off outcomes while balancing recovery, customer rehabilitation and risk management.

You’ll work closely with customers, internal stakeholders and external advisors to develop practical, commercially sound solutions that protect the Bank’s interests while treating customers fairly and professionally.

Key responsibilities:

• Managing strategies for a portfolio of stressed and impaired lending exposures
• Analysing financial statements, budgets and cashflow forecasts to inform credit decisions
• Preparing credit and funding submissions, along with interim, quarterly and annual reviews
• Setting and reviewing Risk Grades, Security Quality Indicators and provision requirements
• Engaging with customers to explore rehabilitation or exit strategies where appropriate
• Liaising with external parties including solicitors, accountants, valuers and insolvency practitioners
• Maintaining accurate file notes, reporting and system records
• Working collaboratively across the LMB and wider Risk teams to manage workflows and outcomes

Nā tāu rourou | What you’ll bring

• Strong financial analysis capability, including assessment of debt servicing and cashflow
• Knowledge of lending products, credit processes and facility/security documentation
• The ability to negotiate and influence to achieve balanced outcomes for the Bank and customers
• Excellent communication skills, with confidence in having challenging and sensitive conversations
• Sound judgement, commercial awareness and attention to detail
• The resilience to operate calmly and professionally in high‑pressure or difficult situations
• A collaborative mindset, with the ability to work autonomously and manage competing priorities

Westpac Hei Wāhi Mahi | Working at Westpac

Immersing yourself in a supportive team environment, and receive some of the best banking, and lifestyle benefits in the market along with:

• 4 weeks standard holiday + 5 additional days of wellbeing leave to support you to be your best
• Additional purchased leave options up to 4 weeks per year
• Banking benefits, insurance discounts and superannuation scheme
• Career growth – we promote internal capability; we have programmes that recognise star performers
• Generous parental leave – and top up government paid parental leave
• School holiday subsidy - help you balance work and family during school holiday
• 2 Volunteer days per year

Ko mātou tēnei | Our Organisation

At Westpac, we’re working together to build a fairer and stronger New Zealand for our people, customers, and communities. For over 160 years we’ve been driven by our purpose to Create Better Futures Together.

What makes us unique are the incredible people we’re lucky enough to have walk through our doors every day. The giant ‘W’ on our building doesn’t just stand for Westpac – it says, double you. We’re a place that values, rewards and recognises individuality. Where you can be your whole self, your true self, and your best self. We’re recognised as a place where talent is developed, where passions are fuelled and where ambitions of all shapes and sizes thrive. And it all starts with you!

We’ll encourage people from all walks of life to apply, including those who are neurodivergent, have chronic health conditions or disabilities – your attitude and passion are as important to us as your experience, qualifications and capabilities.

Mahi tahi tātou, kaha ake tātou | Together Greater

Applications close:

14 November 2026