Director, Portfolio Management – Business Financing

For almost 70 years, Export Finance Australia has helped Australian businesses grow and succeed internationally with finance to secure opportunities, expand into new markets and diversify their presence. We support critical minerals and defence sectors, finance projects that strengthen economic resilience and advance net zero, and back Australian investment in sustainable infrastructure. 

Working with banks, other Government agencies and international partners, we back Australia’s exporters, supply chain businesses and industries, contributing to a more stable and prosperous Indo-Pacific while advancing Australia’s trade, investment and economic security objectives.  

The Director, Portfolio Management – Business Finance is a senior leadership role within Portfolio Management Business Finance (PM BF). The role leads a team of account managers and is responsible for delivering high-quality credit analysis and portfolio oversight across the customer lifecycle, including complex mid-market transactions. As a senior member of the team, the Director also develops capability, provides leadership to junior team members, and drives continuous improvement in processes, efficiency and customer outcomes. 

Your new role

Location: Sydney
Role Type: Full-time, Permanent

About you

Strategy

• Assist the National Director with continuous improvement initiatives to support the customer experience, managing customer and portfolio risk.
• Set high standards of practice, aligned to business objectives, deliver and execute against these standards in relation to credit processes, and identify new opportunities for continuous improvement.  

Business Leadership and Execution

• Manage the workflow across the team to ensure proximity to customers, flexibility to manage varying customer volumes and efficiency.
• Embrace technology and apply AI responsibly in everyday work to improve efficiency, strengthen decision-making, enhance customer and stakeholder outcomes, and support continuous improvement across portfolio management activities.
• Oversee the credit analysis process focusing on quality credit assessment and enhancing the customer relationship. Develop a sound understanding of what analysis Credit require in credit papers, and ensure these standards are applied across the team.
• Provide support for high-risk, non-performing customers and complex cases, work with Credit and the National Director and Lending Operations to apply workout solutions. Develop team skills in early warning signs of deterioration.
• Work closely with Credit Directors on the quality of credit assessments, ensuring credit memos are well-written and lead to efficient and quality decisions being made, identify capability gaps, and formulate plans to address these.

Portfolio Management

• Lead credit analysis and assessments across the customer lifecycle, from Business Finance handover and onboarding through to variations, renewals, and new transactions for existing or repeat customers.  Ensuring assessments are completed in compliance with EFA’s credit policies and procedures and risk appetite, and within appropriate timeframes.
• Work in collaboration with the Business Development, Business Finance team to manage customer interactions and servicing throughout the customer lifecycle, ensure proactive engagement and strong relationships with customers.
• Identify facilities with deteriorating risk profiles, work to ensure appropriate action and early identification of risks is taken to manage the facility, escalate issues and implement loss-minimisation strategies where required. 
  Work with the Lending Operations team to manage all administrative and operational aspects of the portfolio, including drawdowns, repayments, exposures and covenants.
• Ensure internal reporting is monitored on a continual basis to understand movements within the portfolio, arrears reporting, overdue covenants and expiring facilities.  Ensure renewals and annual reviews are conducted on time and collaboratively with key stakeholders.
• Partner with Lending Operations to manage the administrative and operational aspects of the portfolio, including drawdowns, repayments, and exposure management.

Qualifications & Skills

• Degree qualifications in Commerce, Economics, Accounting, Business Administration, Banking/Finance or Business and/or relevant technical disciplines.
• 10+ years financing experience across business and/or corporate banking or similar. Demonstrated ability to manage a portfolio balancing the interests of customers and the lender.
• Ability to successfully lead, manage and coach a team.  
• Ability to manage stakeholders and prioritise activities to achieve successful outcomes.
• Deep understanding of loan structuring and credit risk management across a range of financing products.
• Strong financial analysis skills to assess loan performance and perform stress testing. Proficiency in analysing borrower financial statements, cash flow, collateral values, and repayment capacity.
• Ability to prepare high-quality credit submissions for transactions of increasing complexity. Ability to review and provide feedback and coaching to team members on papers. 
• Deep understanding of facility administration including operational risk. Strong understanding of facility and security documentation.
• Strong non-financial risk awareness including KYC and financial crime risks. Ability to proactively identify, assess and mitigate risks 

Even if you haven’t ticked every box but this role resonates with you, don't rule yourself out just yet, we'd love to hear from you!

Our benefits and culture

We are small enough to have an impact, BIG enough to make a world of difference and it starts with our people.

We support flexible working and pride ourselves in fostering a culture that is inclusive, diverse and collaborative. We are proud to be certified as a 2025 Great Place to Work for a fifth consecutive year, recognised on the 2023 AFR BOSS Best Places to Work list and listed as one of Australia’s Best Workplaces for Women in 2025. 

In line with our commitment to our people, we have a comprehensive array of benefits available to our employees:

• Generous leave provisions (e.g. Annual Wellbeing day) and leave purchase opportunities
• 18 weeks of paid parental leave for primary caregivers
• Thorough induction onboarding program
• Fitness Passport along with other Health & Wellbeing initiatives
• Gender affirmation leave
• Income Protection Insurance
• Community volunteering
• and many more!

Our headquarters is based in Sydney CBD, and we have a national presence across Melbourne, Canberra, Brisbane, Perth and Adelaide.

Eligibility

Australian Citizenship - To be eligible to apply for this position, applicants must hold Australian Citizenship at the time of application.

Security Clearance - To be eligible to apply for this position, applicants must be able to obtain and maintain a Baseline security clearance.

How to apply

Applications close: 5 July 2026.  

Interviews will occur in parallel, so please apply ASAP.
Enquiries: Careers@exportfinance.gov.au      
  
To apply, please email your CV to Careers@exportfinance.gov.au      

By choosing to apply, you agree to the recruitment privacy policy.

We invite and welcome applications from Aboriginal and Torres Strait Islander people, people from diverse cultural backgrounds, people with disability and members of the LGBTQIA+ community. 

If you are a candidate with a disability, let us know how we can provide you with additional support.

About us

Export Finance Australia is Australia’s export credit agency.  

We provide finance to support Australian export trade and overseas infrastructure development across the Pacific and Indo-Pacific. Through our loans, bonds and guarantees, we support businesses – from small and medium-sized enterprises (SMEs) to large corporates – foreign governments and infrastructure projects, to take on the world. 

Working with banks, other government agencies and our partners, together we are helping drive international success for Australian businesses.

The reason our people join us, stay with us and grow with us is because they wholeheartedly believe in our purpose. They can see the impact we create for our customers.

We are a highly purpose-driven organisation. We seek to create an inclusive culture that values our customers and employees. Our people are expected to champion this and play a key role in achieving those outcomes. In working towards our strategy, our people display our IMPACT leadership behaviours of Frank & Fearless, Dexterous & Agile and Careful & Diligent

For more information about us, please refer to our website. 

Applications from recruitment agencies will not be considered on this occasion.