Senior Credit Officer, Europe & Americas

About Westpac

Westpac is Australia’s first bank and oldest company, and one of the four major banking organisations in Australia. With a long history of supporting businesses and economies, Westpac has a strong international presence and a reputation for stability, integrity, and long‑term partnerships. This opportunity sits within Westpac Institutional Bank in our New York office. Westpac Institutional Bank services corporate, institutional, and governmental clients globally, providing specialist expertise across banking, markets, and financial services. Our New York business works closely with colleagues across Australia, Asia, Europe, and the Americas to support clients with complex cross border and capital market needs.

How will I help?

You will be responsible for the approval and ongoing management of credit risk across a portfolio of Institutional Energy, Infrastructure and Renewables clients. This includes Project Finance and Acquisition Finance transactions, working across complex and often cross border structures. You will be a key member of the Global WIB Credit team, with responsibility for client portfolios within the Offshore Energy, Infrastructure and Natural Resources sectors. The team also partners closely with Financial Markets and Product teams, supporting the approval and management of credit risk arising from trading activities and structured products.

Key Accountabilities

• Demonstrate prudent and clear judgment in the assessment and management of the credit risks within the business, including the early recognition of problem loans and implementation of remediation plans.
• Approve transactions and customer group risk appetite within delegated authority or support exposures to higher authority.
• Adopt a continuous improvement mindset to build Westpac brand leadership in the market.
• Contribute to the strategic positioning of Westpac to ensure credit strategies and policies are appropriately aligned with business unit objectives and risk appetite.
• Contribute to the development of a sound credit culture within the business.
• Work closely with the business to optimise risk utilisation to maximise the return to the bank from the defined / available risk appetite.
• Work closely with the Dealing Room Credit Officers to ensure trading is within approved limits or referred to the appropriate authority for prior approval.
• Contribute to internal governance reporting and forums.
• Provide leave cover as required within the Northern Hemisphere.
• Ensure policies and procedures meet local regulatory expectations.

What’s in it for me?

You’ll be joining a highly supportive and collaborative team with international coverage during a period of Group Executive backed growth plans for WIB. In this role, you’ll be working in a collaborative and supportive team and work with senior stakeholders across our international offices. Westpac in NY offers a comprehensive range of benefits including flexibility and various leave entitlements. This includes generous annual leave entitlement with purchase leave options, 100% employer funded Private Medical Insurance, and participation in a 401(k) plan with profit share contributions. Fixed compensation range for this position is between $200,000 to 230,000 USD plus bonus.

What do I need?

• Significant experience in a credit related analytical role.
• Previous delegated authority to approve credit risk.
• Previous experience in credit analysis of the Infrastructure Assets, Greenfield funding, Infrastructure Funds, Global Sponsors, Energy and Resources sectors, and financial market transactions.
• Superior communication skills, excellent negotiating and influencing skills and a commercial mindset to appropriately balance risk and return objectives.
• Practical knowledge of legal documentation (term sheets, ISDAs, project agreements).
• Tertiary qualified with a business degree or post graduate qualifications.

What’s it like to work here?

When you join, you’ll become part of the broader Westpac family – where we aim to be a friendly, switched‑on team working for a single purpose - Creating Better Futures Together – it’s what we do, who we are and why we come to work every day. As an equal opportunity employer, we’re proud to have created a culture where people can be their best, in an environment that values diversity and flexibility. Within Westpac, you will be part of the Institutional Banking division, where our vision is to be a high performing and innovative institutional bank, committed to enabling the growth of our global clients, our economy, and delivering sustainable shareholder returns.