Senior Credit Manager

Senior Credit Manager – Sydney office. The role will be critical in driving timely and disciplined credit decisions and acting as a key senior interface between Mortgage Managers and Pallas Group stakeholders.

Key Responsibilities

• Assess and approve residential and commercial real estate lending opportunities in line with Funding Partner risk appetite
• Provide front‑end credit input to origination teams, including deal structuring, risk assessment and suitability prior to terms being issued
• Lead credit due diligence across transactions, including review of valuations, development feasibilities, cash flows and borrower financials
• Prepare and review detailed credit papers for Investment Committee and lending approval
• Act as a primary Delegated Lending Authority
• Balance risk and return outcomes in line with investor expectations, funding source parameters and internal credit policy
• Partner with Legal on loan documentation, negotiations, credit conditions and waivers
• Support effective portfolio management, including covenant compliance, arrears oversight and investor reporting
• Contribute to the continuous improvement of underwriting standards, tools, templates and processes
• Mentor and support credit team members within a high‑performing, collaborative environment

About You

• Tertiary qualifications in Finance, Commerce, Property Economics, Accounting or a related discipline
• 10+ years’ experience in private credit, real estate finance, investment banking or property development
• 5-7 years’ experience as a primary credit approver, holding Delegated Lending Authority of $5-10 million for a minimum of 12 months
• Proven experience within a non‑bank lending or funds management environment
• Strong financial analysis capability, including review of development feasibilities and valuation reports
• Sound commercial judgement with a strong investor‑outcomes focus
• Confident communicator with the ability to influence senior stakeholders
• Agile, deal‑focused mindset with a commitment to continuously improving credit and underwriting standards

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