**How will I help?**
We are looking for a Team Manager (Credit Operations) support the team of credit assessors at RAMS by way of uplifting credit knowledge and capability within the business. As a Team Manager, you will be responsible for workflow allocation, team management and ensuring the team are providing high quality credit decisions through timely delivery, and to support the organisation in achieving desired risk and reward balance of the secured portfolio as applicable.
Reporting to the National Manager, Credit, you are an integral member of the broader Credit team for RAMS and will be responsible for:
- Ensuring the team are delivering high quality credit decisions
- Managing and monitoring performance
- Contributing to maintaining team service level agreements
- Providing an escalation point for decisions
- Driving AOM methodology across the credit team
- Promoting a focus on customer centricity by ensuring that credit decisions are communicated in a constructive manner with consideration of suggestions.
- Advocates a one team culture and delivers credit coaching to embed process improvement and build credit skills capability for the RAMS Franchise Network.
**What's in it for me?**
You will have exposure to more complex lending, with a great career pathway mapped out and the ability to round out other skills you may be interest in developing. You will have the benefit of working for a large organisation under the Westpac group umbrella but have the more intimate culture of a family business with RAMS. Our vision is to become one of the world's great service companies. So, we will back you in the development of your career, with internal career prospects and flexible working. You will also be backed by a fantastic team of people in a can-do, supportive structure.
**What do I need?**
- 2-4 years' experience in credit or a relevant business discipline
- Managing a team of 12+ FTE
- Currently hold or Held a Delegation to approve within last 2 years
- Knowledge of AOM methodology and utilising RTM
- Knowledge of industry issues, trends, practices such as
- Experience in the Mortgage market with greater emphasis on Self-Employed structure or willing to learn complex structures
- Ability to articulate well and willing to coach, guide and provide advice to stakeholders
- Acts in accordance with regulatory / legislative guidelines
- Enjoy working in a fast-paced working environment.
**What's it like to work there?**
We aim to provide one big, supportive team of people who love helping others succeed. Working with us you'll discover new ways of working, and an exciting range of roles to showcase your skills. As an equal opportunity employer, we're proud to have created a culture where people can be their best, in an environment that values diversity and flexibility and one where everyone belongs.
**How do I apply?**
**Do you need reasonable adjustments during the recruitment process?**
At Westpac we are committed to providing a supportive culture and creating inclusive and accessible workplaces, branches, products and services for our customers, employees, and community.
The health and wellbeing of our employees is our top priority. We've developed clear standards to ensure our people are confident, safe and healthy whether they're working from a Westpac Group site or working from home. These are based on expert medical advice and Safe Work Australia guidelines.