Credit Manager - Equipment FinanceOn-Site

MyState Limited are seeking an experienced Credit Manager – Equipment Finance to join our Risk & Compliance team, with a principal focus on managing and overseeing the credit risk of the SELFCO Equipment Finance portfolio.

The Credit Manager will provide independent oversight, insight and constructive challenge across the Equipment Finance portfolio, playing a critical role in safeguarding credit quality and supporting sustainable growth.

Working closely with the business, you’ll ensure lending decisions align with risk appetite, policy and regulatory expectations, while also contributing selectively to complex credit assessments across the wider organisation.

This opportunity suits a senior credit professional with deep equipment finance expertise, strong analytical capability, and a genuine interest in portfolio risk, governance and continuous improvement.

Key responsibilities

In this role, you will:

• Provide oversight of SELFCO Equipment Finance policies and procedures, ensuring alignment with risk appetite, internal frameworks and regulatory requirements
• Deliver portfolio‑level analysis and reporting, identifying trends, emerging risks and early warning indicators
• Conduct hindsight reviews of lending decisions to assess credit quality, policy adherence and risk outcomes
• Review lending activity to identify, investigate and escalate potential fraud risks
• Support the assessment and preparation of commercial lending applications, ensuring sound judgement and high‑quality submissions
• Complete targeted credit hindsight reviews as part of Line 2 assurance activities
• Partner with the wider Risk and Compliance team on ad‑hoc credit risk initiatives and reviews

The leader we are looking for

You are an experienced credit professional who combines hands‑on lending expertise with a strong risk and governance mindset. You’re comfortable stepping back from day‑to‑day assessment to focus on portfolio‑level risk, while retaining the capability to assess complex commercial deals when required.

You bring:

• Extensive experience in commercial lending, with deep knowledge of equipment finance
• Demonstrated ability to analyse portfolio performance, identify trends and assess emerging risks
• Strong experience in hindsight reviews, write‑off analysis and quality assurance
• Sound understanding of credit policy, risk appetite and regulatory expectations
• Excellent analytical, written communication and stakeholder engagement skills

Qualifications

• Relevant vocational or tertiary qualifications in Business, Commerce or Financial Services (highly regarded)
• Strong working knowledge of credit legislation, industry codes and regulatory frameworks

Why join us?

• Take ownership of a specialised Equipment Finance risk portfolio
• Influence credit quality, governance and portfolio outcomes in a meaningful Line 2 role
• Be part of a collaborative, values‑driven Risk team
• Hobart‑based opportunity with strong organisational support and long‑term career potential

Ready To Appy?

Applications must be submitted via link provided by Monday 6^th April 2026. We are unable to accept resumes via email; however, enquiries about the role are welcome at talent@mystate.com.au.

Employment with MyState is subject to background checks including Bankruptcy, Police, and Credit check to verify your suitability to work in the finance sector. We are an equal opportunity employer, committed to creating an inclusive work environment where everyone is valued.