Background information about the job or company

Create your best future and join Westpac as a WIB Credit Officer – Credit Risk.

What’s the role?

You’ll play a key role in assessing and managing credit risk across a portfolio of real estate clients within Westpac Institutional Bank. Based in Sydney, this is a full‑time opportunity where you’ll partner closely with relationship managers and risk teams to support sound lending decisions.

Responsibilities or duties

Day to day, you’ll review credit proposals, identify key risks, and make informed decisions within your delegated authority. You’ll build strong relationships across the business, offering clear guidance on risk and helping shape credit strategies. You’ll also monitor portfolio performance, identifying emerging risks early and supporting practical, balanced solutions.

This role offers strong exposure to Real Estate and Complex transactions within Westpac Institutional Bank, and the opportunity to develop your credit judgement while contributing to a consistent and disciplined risk culture.

Qualifications or requirements

Experience assessing, managing and decisioning credit risk. Direct experience and strong competencies in Real Estate is expected. Familiarity with the Australian and New Zealand industries would be well regarded.

Strong analytical capability, with the ability to identify key risks and make sound, balanced credit decisions

Confidence to operate within delegated authority, making considered decisions on higher‑value transactions

Strong stakeholder management and communication skills, including the ability to influence and handle challenging conversations

A collaborative, proactive mindset with the ability to manage competing priorities in a fast‑paced environment

A growth mindset - we’re open to outstanding candidates with less experience who demonstrate strong fundamentals and clear potential to develop.

Any other provided details

We’re obsessed with becoming our customers' #1 banking partner for life and we’re looking for people who are passionate about helping us achieve that goal. In return, we’re committed to making Westpac the best place to work in the country. Here are just a few of the ways we’re already doing that:

• Ongoing special offers on banking products and discounts from top brands, including generous employee-only mortgage rates!
• Continued flexible work arrangements to help you achieve a greater work/life balance, and a variety of leave options including Culture, Lifestyle and Wellbeing leave.
• Tailored learning and development opportunities to help your grow your career within the bank.
• Lots of opportunities to ‘give back’ to the Community by getting involved in our many volunteering initiatives.

We’re all about creating a supportive and inclusive community. We welcome everyone – no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.

If you need any adjustments during the recruitment process, you can find more information and contact details on our FAQs and how to contact us page, under the ‘Diversity, sustainability and flexibility’ section.

• Review credit proposals
• Identify key risks
• Make informed decisions within delegated authority
• Build strong relationships across the business
• Offer clear guidance on risk
• Help shape credit strategies
• Monitor portfolio performance
• Identify emerging risks early
• Support practical, balanced solutions

• Assessing credit risk
• Managing credit risk
• Decisioning credit risk
• Real Estate competencies
• Analytical capability
• Stakeholder management
• Communication skills
• Influencing
• Handling challenging conversations
• Collaborative mindset
• Proactive mindset
• Managing competing priorities
• Growth mindset

• Experience assessing, managing and decisioning credit risk
• Direct experience and strong competencies in Real Estate
• Familiarity with Australian and New Zealand industries (well regarded)
• Strong analytical capability
• Ability to identify key risks and make sound, balanced credit decisions
• Confidence to operate within delegated authority
• Strong stakeholder management and communication skills
• Collaborative, proactive mindset
• Ability to manage competing priorities in a fast-paced environment
• Outstanding candidates with less experience who demonstrate strong fundamentals and clear potential to develop will be considered.