Credit Analyst

• Full Time
• Application Closes 28 Jan 2026
• Wellington - Wellington
• Credit Analyst

 About the role  

Join our Credit Risk team and play a key role in delivering independent, objective credit decisioning and practical lending support across our Bank network.  You’ll assess loan applications, provide guidance on policy and process, and contribute to our ongoing assurance activities. 

Working closely with our Senior Manager Credit, frontline teams and the wider Risk team, you’ll take a systematic and thoughtful approach to championing The Co-operative Bank. Your strong lending judgement will support the growth of a robust, healthy lending portfolio, while identifying opportunities for coaching and continuous development. This is a permanent, fulltime opportunity based at our Wellington head office.

PURPOSE OF THE POSITION

Reporting to the Senior Manager Credit, and part of the wider Risk Team. Your primary role will be: 

• Make sound lending decisions, reflecting The Co-operative Bank’s risk appetite and growth aspirations.
• Proactively engage and support the network to deliver improved lender capability.
• Maintain and update the Bank’s lending criteria in line with current regulatory requirements and risk appetite.
• Provide a problem resolution and advisory role for the network and key stakeholders; and 
• Supporting the development of lending related processes and systems.

You’ll bring the following experience to the table:  

• A relevant tertiary qualification in finance or business is desirable but not required.
• Previous experience in the financial services industry (e.g., banking, lending, credit risk, or compliance roles) is highly desirable 
• An understanding of relevant Credit Risk related legislation, such as the CCCFA or The Responsible Lending Code would be an advantage. 

Experience Better with Us

We’re a small and mighty Bank driven by the shared goal of helping New Zealanders bank better. As a proudly customer-owned Bank and Certified B Corporation, not only will you be helping Kiwis achieve their goals, but you’ll also experience better simply by working here: 

• Purpose: As a smaller bank, your impact is bigger—you’ll see how your work makes a real difference in delivering exceptional customer experiences and financial outcomes, every single day. 
• Career Growth: Expand your skills, take on new challenges and tap into a range of areas across the Bank. 
• Support: We support you to balance life and work through generous benefits including Wellbeing Leave, Parental Leave Benefits, Life and Critical Illness insurance, Employee Assistance Programme, Banking Benefits, Profit Share and Workride. 
• Belonging: You will feel like part of the team from day one. From the way we work together, our commitment to Pride Pledge, and focus on diversity and inclusion, you’ll be part of a team that’s making banking better for New Zealanders—together. 

We’ve been operating for nearly 100 years and support over 180,000 customers across New Zealand.  If you’re looking for a role where we work together to make an impact, and you can build a career you’re proud of, you’ve found the right place. 

We understand that no candidate is a perfect match for every qualification listed. So, if you are passionate about helping people to bank better and possess some of the key skills, we encourage you to submit your application. For any questions, please contact recruitmenthelp@co-operativebank.co.nz.

Applications Close: 28 January 2026