Credit Manager - Business & Rural

Credit Manager - Business & Rural page is loaded## Credit Manager - Business & Rural locations:
Newmarket - 277time type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
March 23, 2026 (26 days left to apply) job requisition :
JR100380
** Credit Manager – Business & Rural
** Hi, I'm Andrew Pike, Head of Business & Rural Credit at Heartland Bank. I have an awesome opportunity I'd love to share with you. Here's some info:
You'll be part of a team that assesses Business, Rural, Reverse Mortgages, SME and Asset Finance lending applications, whilst making decisions in line with the Bank's risk appetite and policies.  You will have credit management experience in financial services as well as experience in rural, commercial and SME lending. You may come from Asset finance, a finance company or banking background, demonstrating strong commercial acumen.

A great collaborator, with excellent stakeholder management skills.

** You're a pro with:
*** Financial Analysis, an understanding of accounting and finance, ability to read and understand financial statement, strong financial analysis skills, and financial modelling experience.
* Good time-management skills, ability to manage time effectively while working on multiple projects and deadlines.
* Effective verbal and written communication.
* Comprehensive knowledge of credit decisioning and administering a delegated lending discretion.
* Effective negotiation and relationship building skills.
* Commercial acumen.
* Team player with the ability to work independently.
* Willingness to take responsibility.

Heartland is an NZX/ASX-listed financial services group with big growth plans. Heartland Group owns both Heartland Bank in New Zealand and Heartland Bank in Australia. We provide award-winning savings and finance products to a diverse range of customers including business owners, farmers and retirees. Heartland's strategy is to digitalise everything we do, enabling us to provide customers with what they need in a scalable way.

We can then pass those benefits onto our customers through faster service and better rates.
We're innovative and always evolving. We work together as one team and have big ambition. We're committed to creating a culture of inclusivity that celebrates our diverse backgrounds and supports the wellbeing of our people. We offer real opportunities for learning and career development. You can also drive change through our internal groups (including Manawa Whenua - our Māori group, the Rainbow Committee, Diversity & Inclusion Committee and our Green Team).
Some of our perks include employee banking benefits, an excellent insurance package, flexible working options, sports teams (touch, netball and football), and Friday night pizzas and drinks!

** Diversity & Inclusion
** At Heartland, we're proud to celebrate the many characteristics that make each of us different. We embrace diversity in all its forms and believe in creating an environment that helps us better understand and serve our customers. As a Living Wage Employer, a Hearing Accredited Workplace, and a Rainbow Tick certified organisation, we're committed to doing right by our people.
For an insight into life at Heartland, check out our Instagram @heartlandbanknz or follow us on Linked In  Get In Touch Introduce yourself to our team and we'll get in touch if there's a role that seems like a good match.

Across the Heartland group, we’re looking for people who will embrace the opportunities we provide to learn, contribute and make a difference. You’ll find meaningful work and an environment that is fast-paced, rewarding and supportive.
The Heartland group is a digital financial services group of companies, which includes Heartland Bank in New Zealand and Heartland Bank in Australia (which includes our Stock Co team).
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