Head of Lending

Head of Lending As the Head of Lending you will report directly to the Chief Operating Officer and will be responsible for the strategic leadership and operational oversight of BNK’s lending portfolio. You will be responsible for driving prudent credit growth, operational excellence and high-quality lending decisions. You will provide senior oversight across residential, commercial and specialist portfolios and will ensure that BNK maintains a strong credit culture, efficient lending operations and compliance with APRA and ASIC standards. What you will bring Minimum of 10 years’ experience in banking or financial services with senior leadership experience in product management. Proven experience holding a Delegated Lending Authority (DLA) of $5M with demonstrated track record of sound lending decisions. Strong attention to detail with superior written, report presentation and verbal communication. Ability to develop strong and collaborative relationships. Key Responsibilities Lead and manage the Credit and Loan Application department across Australia and the Philippines. Drive the execution of end-to-end process improvements across lending operations, ensuring efficiency, compliance, and robust risk management. Manage key third-party vendors supporting the loan origination process and oversee their performance, contractual obligations and risk controls to ensure adherence to CPS 230 third‑party risk management standards. Hold an approved Delegated Lending Authority (DLA) up to $5,000,000, enabling independent assessment and approval of complex and high‑value credit applications. Exercise strong commercial judgment and disciplined credit decision‑making consistent with BNK’s Credit Policy, Risk Appetite Statement, and APRA/ASIC regulatory expectations. Take ownership of all customer complaints relating to Lending Origination, ensuring fair and timely resolution in line with ASIC RG 271 – Internal Dispute Resolution. Act as the primary escalation point for unresolved complaints within Lending. About BNK We offer simple and easy to understand deposit accounts and mortgages under a number of brands: Goldfields Money, complemented by the Better Choice Home Loans brand, distributed via mortgage brokers nationally. This unique combination allows us to develop competitive products that meet changing customer needs, leveraging our low‑cost, technology‑driven model. We are focused on becoming a challenger bank of scale through building its product portfolio, growing its diversified distribution network, and pursuing technology‑enabled partnering opportunities. With a proven ability to originate deposits and generate assets and excellent growth across the loan and deposit books, we are strongly positioned to accelerate growth with a proven track record across key performance metrics. BNK Culture Our culture is all about teamwork and is underpinned by 5 core values: Work hard – Successful people have a special trait, they work hard, they don’t give up, they learn from failure and then they succeed on purpose. Innovation – Think big, remain flexible, stay ahead of the curve and get the job done. Trust – Protect the trust we build with our customers and each other. It is hard to build and easy to lose. Humility – Let others shine by helping them achieve more than they thought was possible. Unity – We are in this together, even when the going gets tough. Why you will love working at BNK Bank Our employees are our greatest strength. When you work for a company that truly cares about its workers and wants to see them succeed in both their personal and professional lives, you'll find an environment that fosters growth, learning, and innovation. The BNK Culture, specifically the positive vibes, capability and enthusiasm in the business, is apparent from the moment you walk through the door. Office‑based with flexible working arrangements available including work‑from‑home options. Collaborative team environment where colleagues work together to leverage their strengths so that they can help more customers achieve their banking goals. 2 WITHU Days Per year Purchased Leave Unlock job insights Salary match | Number of applicants | Skills match Application questions Which of the following statements best describes your right to work in Australia? How many years' experience do you have as a Head of Lending? How many years' experience do you have in the financial services industry? What's your expected annual base salary? How much notice are you required to give your current employer? #J-18808-Ljbffr