(A) Credit Lending Manager

Credit Lending Manager

Business Unit: Banking
Division: Distribution
Pay Band: Fixed Salary
Department: Credit Control
Leader profile: Manager
Role reports to : General Manager
Direct reports to : Credit Assessor / Officers 
Total employees (Total number of employees reporting through to this role): 10 

Purpose of the role (What the role does; how the role contributes to the team/dept/division goals)

Assess the financial needs of customers and provide options to meet those needs in pursuit of specific sales, service, growth and opportunity targets, with an emphasis on consumer lending and other lending of the bank.

Key Accountabilities (Key activities, tasks and outcomes to be achieved)

Profit & Financial

• Design, implement and monitor a mortgage & small business lending marketing and business plan, and subsequent achievement to the goals set by the General Manager.

• Monitor and analyze portfolio growth, sales, service, credit quality, ROI, MFI and expense results for the portfolio. Identify and implement corrective activity where performance gaps exist within budgeted targets.

• Generate opportunities for sales specialists for Bank and products using the agreed sales process.

• Maximize the visibility of the Company Bank brand throughout the region by actively and positively promoting the company at public events

Customer/Service

• Provide options for appropriate solutions to customer needs.

• Support improvement and monitor the relevant customer service / customer satisfaction outcomes for the portfolio.

• Provide effective feedback to operational, segment and risk areas via GM BMf Bank on issues that have an impact on that area of Company's business.

• Contribute to continuous improvement activity within the team and the Pacific region if required.

Risk

• Ability to identify an acceptable level of lending risk, in line with Company's Banks risk appetite statement, and to maximize profit from that transaction.

• Support and demonstrate a risk management culture in line with Company's Banks values

• Proactive identification and escalation of risks and issues related to your role responsibilities & captured as a service request in Ignite. Adherence to the Banks complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.

• Ensure a safe environment that allows all staff across the Bank the ability to escalate and discuss issues and risks with their Leader or LOR.

• Accountable for maintaining high data quality standards by ensuring information captured in the banks systems and documentation are correct and maintained in a timely manner.

• Accountable for operating responsibly within the parameters of your approved delegations

• Participate in conversations about risk with relentless execution of improving the way I, my colleagues and our bank manage risk consistent with the Leader Profile guidelines.

• Adherence to compliance requirements, corporate policies and processes relating to branch administration and Banking products.

Working Relationships (Key stakeholders, clients, customers, suppliers, providers, consultants,

Internal Relationships

• Develop and maintain relationships with peers in the region, to ensure effective support and service delivery.

• Build and maintain relationships with staff and key business stakeholders to effectively support them in implementing sales, service, operational, process, and credit quality initiatives, and in the identification of continuous improvement and adherence to processes and requirements.

External Relationships

• Develop and maintain relationships with community and business contacts to maximise financial services opportunities.

• Build and maintain relationships with local community groups through tailored local marketing plans.

Person Specification 

Key Job Requirement 

Qualifications (indicate whether mandatory or desired)

• Tertiary Qualifications in business, commercial or finance are desirable Experience (minimum type and level of experience required to perform the role)

• Demonstrated experience in roles requiring credit assessment and retention and growth of a customer base.

• Demonstrated experience in financial services.

Technical Capabilities (skills, knowledge, technical or specialist capabilities)

Skills and Abilities (required capabilities, including level of proficiency)

• Analytical skills ability to develop solutions and courses of action and recommend solutions by using an information base to identify key issues, compare with other data and determine cause-effect relationships.

• Attention to detail accurately checking and processing tasks and showing concern for all aspects of the role.

• Change Management ability to recognize, understand and support need for change and anticipate the impact on both the team and self.

• Commercial Acumen ability to recognize and implement business strategies to drive profitable growth, customer acquisition, customer experience and sales productivity.

• Communication Skills ability to convey and explain information, coherently and confidently both oral and written.

• Credit skills understanding and application of risk analysis, cash flow analysis, portfolio management, evaluation and analysis of profit projections, property valuation, credit mediation, security requirements and credit checking

• Decisiveness ability to make effective decisions in a timely manner.

• Financial skills understanding and application of pricing, margin, expense management, and profitability principles.

• Negotiation skills exploring opportunities with a view to mutual benefit and acceptance.

• Planning and organizing skills establishing a process to complete goals (either personal or for others) and allocating appropriate resources to achieve such goals 
• Problem solving ability to seek out information and break down problems and situations into simple lists of components, options or alternatives.
• Rapport Building use interpersonal style to establish and develop relationships.
• Social skills using appropriate behavioral styles to develop relationships and influence others

Knowledge (factual or procedural information needed to perform in the role)

• Demonstrated understanding of the business, market and external environment.

• Demonstrated understanding of Personal Banking and other Banking products and processes.

• Sound understanding and knowledge of Financial Services Legislation requirements.

• Understanding of banking and financial industry principles and regulations.

Additional Requirements 

• Some out of hours work required.
• Local travel as appropriate

Organization Leader Profile 

Leader profiles describe behavioral expectations at all levels (from Team Member to Strategic Leader) across the Group.

• Clarity of Purpose

• Customer Focus

• Relentless Execution

• Building Great Team

• Simplicity and Agility