Credit Manager

A little bit about us…
For over 50 years, we've been the go to local Bank for our customers and communities. The Warwick Credit Union has over 14,000 customers throughout Gympie, Dalby and the Southern Downs. Supporting local towns and communities is an integral part of our philosophy. 

A little bit about the role
We are looking for a highly experienced, motivated and enthusiastic Credit Manager to join our team at Warwick. 

Reporting to the Chief Risk Officer, the Credit Manager is accountable for assessing loan applications recommended by the lending team. The portfolio is predominantly retail with some small commercial loans. The role is also responsible for leading a small Credit Processing team who process loans to settlement and funding, loan administration and arrears management. 

You will be responsible for ensuring excellent customer service, efficiency and productivity of the team, compliance with credit policy and procedures, sound commercial decision-making as well as the management of relevant legislation requirements.

What you can expect

Reporting to the Chief Risk Officer, you will:

• Evaluate applicant creditworthiness and process loan applications in an efficient and timely manner.
• Approve loans within Delegated Lending Authority (DLA) and escalate loan applications that are outside those limits to other DLA holders with recommendation.
• Ensure ongoing and timely feedback, coaching, and mentoring and leading direct reports to develop team strengths and encourage development.
• Maintain and/or create Credit Policy and/or Credit assessment processes. 

About you

To be successful in this role, you will have:

• Certificate IV Credit Management or equivalent (desirable), or previous experience in a similar role, with an understanding of credit (lending) risk including arrears management.
• Sound knowledge of the National Consumer Credit Protection Act, Code of Banking Practice, and other regulatory and legal considerations.
• Strong awareness and adherence to the control environment including Quality Assurance and Quality Control.
• Highly effective interpersonal skills, with the ability to build relationships and influence Senior Levels of Management.

What's in it for you?
You will also be part of a wider friendly and professional Team passionate about the local Customers and Communities. 
At Warwick Credit Union we believe investing in our people is central to creating a great culture. To help us achieve this we have a variety of employee benefits that you can access along with exciting career opportunities.

If you are looking for your next career challenge and are passionate about developing people and supporting your local community, we would love to hear from you.

Full time – The role can be based in Warwick or a hybrid working model of working from home with occasional visits to the Warwick Credit Union Head Office.