Job Description
Lending Assessment & Capability Officer
Banking & Finance
Mortgages / Lending
Sydney
Permanent / Full Time
12/3/2026
World's Most Ethical Companies for 10 consecutive years
Hybrid working arrangement
100% member‑owned mutual bank
At Teachers Mutual Bank Limited, we’re committed to delivering exceptional lending experiences that genuinely support our members’ financial wellbeing. In this role, you’ll combine your credit expertise with your passion for capability uplift—helping us maintain strong lending standards while guiding others to make confident, compliant decisions.
With supportive leadership, collaborative teams, and flexible ways of working, this is a role designed for an experienced credit professional who values quality, accuracy, and growth.
Why you’ll love this role
Make a meaningful impact by strengthening credit quality across the business.
Help uplift capability through coaching, insights and quality improvements.
Grow your expertise within a supportive, collaborative lending environment.
Purpose-driven work supporting essential workers across Australia.
Competitive salary, wellbeing initiatives and great banking benefits.
About this role
As a Lending Assessment & Capability Officer, you’ll be responsible for delivering high‑quality assessments across secured and unsecured lending applications. You’ll analyse income, liabilities, credit history, serviceability and collateral security while ensuring compliance with regulatory and policy requirements.
You’ll also uplift business capability by coaching bankers and brokers, identifying trends, and supporting continuous improvement in lending quality.
This role is ideal for an experienced lender who values professionalism, judgement, and building a strong credit culture.
What you’ll be doing Lending Assessment (80%)
Make compliant, accurate credit decisions aligned with TMBL’s Credit Risk Policy Framework.
Assess collateral security, including valuation and legal considerations.
Prepare and validate compliant credit documentation.
Maintain accurate, timely records within core banking systems.
Ensure applications are complete, enforceable, and settlement‑ready.
Capability Uplift & Quality Assurance (20%)
Provide coaching and feedback to bankers and brokers on submission quality.
Support the uplift of QA frameworks and broader business capability.
Conduct QA reviews and identify key trends across lending submissions.
Deliver insights that support continuous improvement.
Build strong relationships with stakeholders to enhance lending accuracy and confidence.
What you’ll bring
Extensive credit underwriting experience across secured and unsecured lending.
Delegation authority of $1M+ with 2+ years in secured credit decisioning.
Strong analytical and decision‑making capability.
Experience coaching and uplifting capability across lending teams or brokers.
Certificate IV in Financial Services and sound knowledge of the NCCP Act.
About Us
Teachers Mutual Bank Limited is one of the largest mutual banks in Australia. We are a globally recognised socially responsible bank with profit-for-purpose as our business model and philosophy. At our Bank, social responsibility is built-in, not bolted on and drives our business practices, people, and products. We are proud to serve some of Australia’s essential workers in education, emergency services and healthcare. We believe they deserve a bank that does good for their community.
We have been named one of the World’s Most Ethical Companies for ten years in a row and are a Certified B Corp Bank.
Our employees embrace our organisation’s values of passion, advocacy, and sustainability, and contribute to a diverse and inclusive workplace culture founded on mutual respect, equality, and a focus on striving to deliver exceptional member service.
Banking & Finance
Mortgages / Lending
Sydney
Permanent / Full Time
12/3/2026
World's Most Ethical Companies for 10 consecutive years
Hybrid working arrangement
100% member‑owned mutual bank
At Teachers Mutual Bank Limited, we’re committed to delivering exceptional lending experiences that genuinely support our members’ financial wellbeing. In this role, you’ll combine your credit expertise with your passion for capability uplift—helping us maintain strong lending standards while guiding others to make confident, compliant decisions.
With supportive leadership, collaborative teams, and flexible ways of working, this is a role designed for an experienced credit professional who values quality, accuracy, and growth.
Why you’ll love this role
Make a meaningful impact by strengthening credit quality across the business.
Help uplift capability through coaching, insights and quality improvements.
Grow your expertise within a supportive, collaborative lending environment.
Purpose-driven work supporting essential workers across Australia.
Competitive salary, wellbeing initiatives and great banking benefits.
About this role
As a Lending Assessment & Capability Officer, you’ll be responsible for delivering high‑quality assessments across secured and unsecured lending applications. You’ll analyse income, liabilities, credit history, serviceability and collateral security while ensuring compliance with regulatory and policy requirements.
You’ll also uplift business capability by coaching bankers and brokers, identifying trends, and supporting continuous improvement in lending quality.
This role is ideal for an experienced lender who values professionalism, judgement, and building a strong credit culture.
What you’ll be doing Lending Assessment (80%)
Make compliant, accurate credit decisions aligned with TMBL’s Credit Risk Policy Framework.
Assess collateral security, including valuation and legal considerations.
Prepare and validate compliant credit documentation.
Maintain accurate, timely records within core banking systems.
Ensure applications are complete, enforceable, and settlement‑ready.
Capability Uplift & Quality Assurance (20%)
Provide coaching and feedback to bankers and brokers on submission quality.
Support the uplift of QA frameworks and broader business capability.
Conduct QA reviews and identify key trends across lending submissions.
Deliver insights that support continuous improvement.
Build strong relationships with stakeholders to enhance lending accuracy and confidence.
What you’ll bring
Extensive credit underwriting experience across secured and unsecured lending.
Delegation authority of $1M+ with 2+ years in secured credit decisioning.
Strong analytical and decision‑making capability.
Experience coaching and uplifting capability across lending teams or brokers.
Certificate IV in Financial Services and sound knowledge of the NCCP Act.
About Us
Teachers Mutual Bank Limited is one of the largest mutual banks in Australia. We are a globally recognised socially responsible bank with profit-for-purpose as our business model and philosophy. At our Bank, social responsibility is built-in, not bolted on and drives our business practices, people, and products. We are proud to serve some of Australia’s essential workers in education, emergency services and healthcare. We believe they deserve a bank that does good for their community.
We have been named one of the World’s Most Ethical Companies for ten years in a row and are a Certified B Corp Bank.
Our employees embrace our organisation’s values of passion, advocacy, and sustainability, and contribute to a diverse and inclusive workplace culture founded on mutual respect, equality, and a focus on striving to deliver exceptional member service.
💡 Quick Summary
Seeking a career-building opportunity? The Lending Assessment & Capability Officer position is now open for candidates interested in the Finance sector. This role in Sydney offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Finance is a plus.