Senior Credit Specialist, Commercial Lending – Melbourne

At ING, we’re passionate about helping businesses succeed. Our SME Lending team delivers market-leading broker and customer experiences, driven by innovation, collaboration, and a high-performance culture.

As a Senior Credit Specialist, Commercial Lending – Melbourne, you’ll be a key player in ensuring a seamless origination process for SME loans. This role goes beyond credit assessment—it’s about driving operational excellence, building strong broker relationships, and shaping process improvements that define the future of SME Lending.

You’ll manage a dynamic pipeline of applications, resolve bottlenecks, and work closely with internal teams and external partners to keep deals moving. Your expertise will help brokers structure proposals, navigate complex credit scenarios, and achieve successful outcomes.

You’ll also lead on risk management, compliance, and quality assurance, ensuring every decision aligns with ING’s standards and strategic goals. Beyond day-to-day operations, you’ll contribute to automation initiatives, support financial performance, and represent ING at broker events—reinforcing our reputation as a trusted partner in the SME market.

What you’ll do

• Manage the SME loan pipeline to meet SLAs and adjust priorities as needed.
• Pre-vet, package, and submit lending applications accurately and compliantly.
• Build and maintain strong broker relationships for smooth deal origination.
• Collaborate with internal teams to ensure efficient end-to-end deal flow.
• Drive process improvements to enhance broker and customer experience.
• Support risk, compliance, audit, and quality standards across all activities.

What we’re looking for

• Extensive experience in retail banking or financial services (5+ years), ideally in commercial lending (residential experience will be considered)
• Exceptional credit assessment skills and understanding of commercial lending processes.
• Proven ability to lead and implement change initiatives effectively.
• Excellent analytical, problem-solving, and communication skills.
• Ability to manage multiple priorities under pressure while maintaining attention to detail.
• Tertiary qualifications and experience with complex business structures are a plus.

What’s in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

About Us

At ING, we’re all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we’re proud to support. Joining ING means stepping into an environment where your individuality isn’t just welcomed - it’s celebrated. We’ve built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.

Whether you’re taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you’ll find ING is the kind of place where growth isn’t just a possibility; it’s a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you’ll feel the difference in how we value and champion our people.

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you’re interested but don’t meet all the criteria, we encourage you to apply. We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We’re your allies in helping you do your thing during the recruitment process, so let us know if you require any support or adjustments when you apply.  Let us know if you’d like to chat with an LGBTQ+ Confidential contact.  

Sound like your kind of vibe? We can’t wait to hear from you!

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)

ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.

Need more?

Contact Skye Griffiths on skye.griffiths@ing.com

Applications close 19th November 2025

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