**About the Role**
As a Commercial Credit Manager, you will support the Credit Team to ensure that risk accepted by the bank is of an appropriate standard and structure and is compliant with credit policy. This role is viewed as integral support to the achievement of BOQ Specialist's business outcomes in terms of both portfolio credit quality and growth.
Your key responsibilities will include:
- Ensuring business lending activities accord with the Bank's Credit Policies and procedures, and mitigating policy exceptions where necessary.
- Being operationally focused across a workflow credit queue, with all credit decisions needing to be made within a prescribed acceptable time (SLA).
- Engaging with front-line sales managers and bankers on loan submissions and reviews.
- Working on projects and initiatives as a Credit SME to assist in policy change, system development or process enhancement (and recommending changes and improvements when identified).
- Promoting a positive credit culture within the BOQ Specialist business.
**About you**
Your success in this role will rely on your proven experience in business credit related lending, coupled with a tertiary qualification in a relevant field (such as in Finance, Accounting, Business, Commerce, or relevant discipline). Experience in holding a prior Delegated Lending Authority is also highly desirable.
To be successful in this role, you will also demonstrate the following skills:
- Ability to read, understand and analyze complex financial statements and corporate structures, as well as consider and integrate a broad range of factors in commercial loan structuring and decisioning.
- An understanding of medical (and/or accounting) industry and key financial drivers in the medical/dental/veterinary/health professional businesses will be highly regarded.
- Strong knowledge of commercial lending products, such as Goodwill loans, Commercial Property Loans, Asset Finance, Escrow and Working Capital facilities.
- Sound understanding of property lending and property valuation principles.
- A basic understanding of banking and finance legislation, and regulatory requirements.
- Clear and concise communication skills, with the ability to articulate credit decisions verbally and in writing.
- High level of attention to detail, with strong problem solving and analytical abilities.
- Ability to think of the end customer experience.
- Capability of managing difficult conversations.
**About Us**
BOQ is one of Australia's leading regional banks and provides a genuine alternative for Australian financial services customers and employees. Our purpose is to create prosperity for our customers, shareholders and people through empathy, integrity and by making a difference. Our ambition is to be known as the bold challenger bank; with multi-brands that are digitally enabled with a personal touch.
BOQ is passionate about providing opportunities for you to develop your career as we continuously adapt and deliver in a transformational and collaborative environment with a strong focus on community.
BOQ's Inclusion vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve.
Since 2021 BOQ Group is recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency (WGEA).
**Our Benefits**
- Flexible working arrangements
- Discounted financial products
- Salary sacrificing options
- Paid parental leave with no minimum
- Paid volunteer days
- Purchase annual leave
- Discounted private health insurance plan
- Employee Assistance Program (EAP)
- 5 employee diversity network groups focusing on: First Nations Reconciliation Council, Proudly ME (LGBTIQA+), Multicultural, Gender and Early Career
- BOQ Group is a member of Pride in Diversity and a participating organisation in the Australian Workplace Equality Index
**How to Apply**
The Bank of Queensland is committed to diversity and an inclusive workforce. Aboriginal and Torres Strait Islander People are encouraged to apply.
If you are successful for a role with the Bank of Queensland, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.
Job Reference: BOQ02492