Private Lending Credit Manager March 20, 2026 Banking & Finance Sydney Work on non-coded credit deals Up to $150,000 super bonus Work closely with Head of Credit This employer is a well-established and growing non-bank lender with a strong presence across the Australian property lending market. Known for its ability to deliver flexible, bespoke lending solutions, the business specialises in complex residential and commercial transactions. You will join a high-performing team with a collaborative culture, strong deal flow and genuine career progression opportunities. The Role Reporting to the Head of Credit, you will work closely with Business Development Managers and key internal stakeholders. The primary purpose of this role is to assess, structure and approve complex non-coded lending transactions across residential and commercial property-backed deals. This role offers a highly commercial environment where you will be empowered to think critically, structure deals and support business growth while maintaining sound credit standards. Key Responsibilities Include Credit assessment, structuring and approval within DLA Analyse complex lending scenarios including self-employed borrowers, trusts and layered structures Recommend and escalate transactions outside of authority where required Liaise with key stakeholders including brokers, valuers, solicitors and internal teams Structure deals in line with credit policy, risk appetite and commercial objectives Maintain strong credit quality and portfolio performance Support BDMs with deal structuring and scenario analysis Adhere to regulatory and compliance requirements Contribute to process improvement and operational efficiencies About You Ideal candidates will have a minimum of 4–6 years’ experience within non-bank, private or specialist lending environments. You will bring strong experience in assessing complex, non-standard mortgage transactions across residential and commercial securities. Experience working with self-employed borrowers and non-traditional income verification will be highly regarded. To succeed in this role, you will have a strong understanding of Australian lending regulations, credit policy and risk frameworks, alongside the ability to balance risk with commercial outcomes. You will demonstrate excellent analytical capability, attention to detail and the ability to manage a high volume of complex deals. Strong communication and stakeholder management skills are essential, along with the ability to operate autonomously while contributing to a team environment. Prior Delegated Lending Authority is required. Key Benefits You will receive a strong package aligned to experience, along with the opportunity to work in a high-growth lending environment with exposure to complex and bespoke deals. This role offers the chance to partner closely with an experienced leadership team, with clear opportunities for career progression. Convenient Sydney location with a collaborative and supportive team culture For a confidential discussion please call Patrick Fisher on 0435748546 For more information please contact: pfisher@oxygenrecruitment.com.au Apply Now
