Credit Assessor
About the roles- 2x Permanent, Full-time & hybrid roles, based out of our Adelaide, Brisbane, or Toowoomba Head Office.
As a Credit Assessor, you will be responsible for assessing loan applications within your Delegated Lending Authority, making informed risk- based decisions, and providing expert guidance on lending policy and responsible lending practices.
Working closely with lending teams, including third party brokers, and key stakeholders, you’ll help structure lending solutions, mitigate risk, and support the ongoing development of our lending capability across multiple channels.
You will be empowered to think outside the box to achieve customer- focused outcomes, that are both risk conscious and commercially sound.
Your key responsibilities will include:
• Assessing complex home lending, personal lending and specialised lending applications within agreed service standards.
• Exercise Delegated Lending Authority (DLA) with sound judgment and diligence.
• Provide recommendations for applications requiring escalation to higher lending authorities.
• Partner with our Lending Teams to structure lending solutions and manage complex lending scenarios.
• Review financial analysis for self-employed applicants and complex entity structures.
• Provide coaching, guidance and advice on credit policy, responsible lending and credit risk.
About you:
You are an experienced lending professional with strong credit assessment capability, commercial judgement, and a passion for supporting both customers and colleagues. You have proven experience assessing self-employed applicants and complex lending structures.
To be successful in this role, you’ll bring:
• 5+ years’ experience in a Credit Assessment or Credit Decisioning role within a financial institution, or significant experience in a lending related role.
• Strong knowledge of credit assessment methodologies, and lending risk principles.
• Extensive experience in retail lending and credit decisioning.
• Experience with third party and broker lending channels
• Proven ability building effective stakeholder relationships across lending, broker and support teams.
• Previous experience operating under a Delegated Lending Authority (DLA)
• Excellent communication, coaching and relationship management skills.
Why you’ll love working with us:
People First Bank – our new brand – says exactly what we’re all about: people. We're committed to supporting and growing our team and creating an outstanding work environment.
You’ll have access to financial and lifestyle benefits to support your success and individuality:
• Flexibility and hybrid working arrangements.
• Enhance your salary with discounts on banking, health insurance, and shopping across Australia.
• Advance your career with training, study support, and project opportunities.
• Competitive leave benefits that empower employees to take time for themselves and loved ones.
• Wellbeing support with our Employee Assistance Program, wellbeing leave, mental health app, and mental health ambassadors’ program.
• Make a difference with paid volunteering, Workplace Giving, and diverse community initiatives.
• Be recognised for your contributions through our peer-driven recognition program.
A bit about People First Bank:
In March 2023, People’s Choice and Heritage Bank merged to form Heritage and People’s Choice Limited - Australia's leading mutual bank. We are now on an exciting journey to bring together our products, services, and technology under a single brand - People First Bank.
We have over 700,000 members and 1,900 employees, with dual head offices in Adelaide and Toowoomba, an Australian-based contact centre and branches across five states.
With a vision ‘To deliver positive change through banking’, People First Bank serves members and contributes to the community, while offering an inclusive, flexible work environment. We’re big enough to make an impact; but agile enough to influence and do interesting work.
Apply online now:
If this sounds like you, this could be the next step in your career. Click Apply now and submit your application, including a cover letter and current resume by EOD Thursday 2nd July 2026.
We are committed to diversity and inclusion and support candidate requests for adjustments to enable everyone to equitably participate in our selection process.