Manager Credit Initiation

This role exists to support sustainable retail portfolio growth by making prudent, timely and consistent credit decisions for mortgage and wealth management products. The role evaluates customers' creditworthiness, risk exposure, affordability and application quality to ensure lending decisions align with the Bank's credit policies, risk appetite, regulatory obligations and business objectives.

The role balances risk management with customer experience by ensuring credit applications are assessed accurately, efficiently and consistently. It contributes to portfolio quality, operational effectiveness and business growth through sound underwriting judgement, risk assessment and continuous process improvement.

The role also supports the evolution of credit operations by identifying opportunities to improve turnaround times, strengthen controls, support product launches and contribute to operational initiatives that enhance service delivery and decision-making effectiveness. Where applicable, the role provides operational guidance, supports team capability development and helps maintain underwriting consistency across the function.

Key Responsibilities:

• Assess retail mortgage and wealth management applications to deliver prudent credit decisions that balance customer needs with portfolio risk objectives.
• Evaluate customer financial profiles, affordability, repayment capacity and credit history to determine appropriate lending outcomes.
• Apply credit policies, underwriting standards and delegated authorities consistently to support high-quality credit decision-making.
• Escalate complex or higher-risk cases appropriately to ensure sound risk governance and decision integrity.
• Identify, assess and mitigate credit and fraud risks that may affect portfolio quality or customer outcomes.
• Apply regulatory requirements and internal risk controls to ensure lending decisions remain compliant and defensible.
• Detect indicators of potential fraud, misrepresentation or suspicious activity and initiate appropriate escalation processes.
• Support a strong risk culture through disciplined application of credit policies and controls.
• Improve underwriting efficiency by identifying process enhancements that reduce turnaround times while maintaining control effectiveness.
• Contribute to operational initiatives that enhance service quality, productivity and customer experience.
• Support the implementation of new products, policy changes and process enhancements to ensure operational readiness.
• Use operational insights and performance trends to recommend improvements in credit assessment and workflow management.
• Partner with Product, Sales, CRM, Fraud Risk, Lending Operations and support teams to facilitate effective credit assessment and application processing.
• Provide underwriting expertise that supports business growth initiatives, marketing campaigns and new product introductions.
• Resolve credit-related queries and exceptions by collaborating with relevant stakeholders to achieve balanced customer and risk outcomes.
• Contribute operational insights to projects and initiatives that improve the effectiveness of the end-to-end lending process.
• Ensure credit decisions and operational activities comply with regulatory requirements, Bank policies and internal control standards.
• Maintain accurate documentation and audit readiness to support transparency and regulatory compliance.
• Apply anti-money laundering and financial crime prevention requirements, escalating suspicious activities where appropriate.
• Support governance activities that strengthen underwriting consistency, policy adherence and operational risk management.

Motivations:

• Building trusted, long-term relationships that deliver sustainable, risk-adjusted growth.
• Aligning products, regions and stakeholders around clear strategic priorities.
• Applying sector- and segment-specific knowledge and judgment to solve complex client problems and create value, leveraging data and AI-enabled insights to deepen client understanding, sharpen focus and drive commercial impact.

Skills and Experience:

• Application Processing
• Banking Strategy
• Compliance Audit
• Compliance Monitoring
• Continuous Improvement
• Financial Services
• Create Credit Policy
• Credit Administration
• Credit Management
• Operational Monitoring
• Risk Assessment
• Stakeholder Engagement

Qualifications:

• Experience in regulated financial services environments where risk, compliance and customer outcomes are closely managed.
• Exposure to retail lending, mortgage, wealth management or consumer banking products involving structured credit assessment frameworks.
• Experience in high-volume processing environments requiring strong judgement, prioritisation and attention to detail.
• Exposure to cross-functional collaboration involving Product, Sales, Operations, Risk and Control functions.
• Experience supporting operational improvement initiatives focused on efficiency, service quality and control effectiveness.
• Business English