Andrea Young

* Make sound Credit decisions within delegated authority limits, Working across a combination of consumer and business bank clients.

* Maintaining adherence to agreed Service Level Agreements consistently over 90% and a high standard of quality.

* Analysis and referral of applications outside of delegated authority.

* Ensure compliance with key risk policies and regulatory requirements, whilst also applying both commercial and customer focused approach to decisions.

* Actively contribute to improvements in risk culture, through recommendations and improvements to procedurem

* Work collaboratively with internal stakeholders including Risk Policy and Front-Line Relationship Managers to ensure best customer outcomes within risk appetite.

* Provide coaching and support to bankers to improve front-line capability, maintain a high standard of submission, and reduction in rework.

* Actively engagae credit policy, product and as well as other stakeholders to navigate complex scenarios where required.

* Remain up to date with industry and regulatory changes which impact the business.

* Undertake professional development and learning opportunities to further capabilities.

* Working in the unsecured Credit team, completing standard Credit Manager duties as well as managing the day to day operations

* Team and 1:! coaching and development for staff members to improve credit decisioning ability.

* Act as a Delegate in the absence of National Credit Manager.

* Provide performance management in line with staff coaching and development requirements as set out by National Manager.

* Conduct Quality reviews for Credit Managers in support of the Credit Assurance team, where required.

* Stakeholder engagement and management, working towards improvements in process, procedure and policy.

* Conduct regular meetings for the team including weekly engagement huddles and training sessions.

* Maintain Best Practice and Role model group values and behaviours.

* Working autonomously and in a team to decision Unsecured Credit Applications within Delegated Authority and refer to higher CAL holders where required.

* Adhere to Quality and Productivity standards, consistently exceeding team targets for most KPI's.

* Provide coaching and feedback to frontline bankers to ensure high quality submission.

* Provide first point of contact for clients seeking assistance with personal banking needs.

* Discuss stateds and unstated needs with clients to determine suitable products and services.

* Consistently meeting and exceeding KPI's in a fast paced environment.