Leader of people, aligned to the Group's vision and values and strategies on diversity and inclusion. Results driven, goal orientated with a flexible and adaptable approach to the way of working. Strong commercial acumen capability and ability to make decisions within a delegated authority, substantiated by sound and fact based judgement and analytical capabilities with a thorough knowledge of the risk management practices and policies of the group.Ensuring the team understands the contributions to the business and profit, ensuring quality and responsible credit decisions are made by credit officers in a consistent manner and in line with the strategic direction and group risk management and appetite strategies of the organisation

Leader of people, aligned to the Group's vision and values and strategies on diversity and inclusion. Results driven, goal orientated with a flexible and adaptable approach to the way of working. Strong commercial acumen capability and ability to make decisions within a delegated authority, substantiated by sound and fact based judgement and analytical capabilities with a thorough knowledge of the risk management practices and policies of the group.Ensuring the team understands the contributions to the business and profit, ensuring quality and responsible credit decisions are made by credit officers in a consistent manner and in line with the strategic direction and group risk management and appetite strategies of the organisation

- Approve commercial credit advances in the property finance and commercial segment of business banking- Growing the Business in a risk aware and disciplined manner - Proactive portfolio management and deteriorating risk escalation - Accuracy of PD/LGD assessments and timely revision based on credit events and appropriate qualitative inputs - Maintaining high standards of compliance and data integrity across Credit Risk approval and management functions. - Be abreast of current Industry issues and economic data which may impact on internal or external credit environments using this to monitor credit risk and make recommendation to review credit policies and appetite as appropriate -Mitigation of risk decisions outside of policy/appetite settings - Efficient and appropriate engagement , coaching and training initiatives with Line of Business colleagues to effect improvement in credit structuring and documentation - Compliance with Bank policy and procedure and effective mitigation of policy exceptions. - Attend customer meetings alongside business banking colleagues

- Build and maintain deep relationships with clients and prospects through regular face to face activity and other initiatives to entrench customer value proposition. - Identify and research good quality, new to bank targets aligned to our target market strategy - Maintain and support Bank’s market presence - Develop and maintain customer account plans for key targets and clients taking a strategic whole of bank approach - Design and implement strategic portfolio plan to deliver desired profitability and balance sheet growth and risk quality objectives within the portfolio - Actively monitor the standard of service delivered to clients and continuously improve - Actively manage the client’s adherence to facility terms and conditions and ensure correct reporting of any material events and facility expiries.

- Maintain existing portfolio of commercial banking customers - Increase the bank’s wallet share through identifying customer needs and providing bank solutions - Acquire new business through active networking and referrals - Knowledge of the business environment within which the customer base operates - Understand and apply Bankwest’s risk parameters, lending appetite and service proposition - Understanding of credit management to reduce risks and manage potential high risk accounts. - Full awareness of pricing of business opportunities to ensure profitable business is acquired

- Develop Business Plans in conjunction with the business managers to ensure that the divisions strategic objectives and targets are implemented and achieved. - Manage assets, liabilities and profitability of each branch by analyzing variances on the monthly income statement and balance sheet - Manage and recover all non-funded revenue streams - Analyse cost to income ratio to identify profitability of the branches - Analyse monthly reports on dormant accounts , accounts with expired limits, accounts in excess and overdrawn accounts - Assist the business managers with credit applications and more complex credit related matters. - Key input provided for annual budgeting process and revising targets - Establish, manage and maintain branch, customer and credit relationships to ensure ongoing support and development of the business - Manage and ensure adherence to SLA agreements by credit and other support departments - Responsible for retail operations and effective management of branch network.- Responsible for approximate 60% of the bank’s interest revenue. - Member of the bank’s ALCO (Asset and liability committee), Credit committee, Human Resources Committee, Broad Banding Committee, Change Management Committee and Business Advisory Committee