Job Overview & Organization Mission

Partner with ambitious Australian small-and-medium enterprises (SMEs) to provide working capital solutions, equipment finance, and strategic banking at NAB.

NAB is seeking an experienced Business Banking Relationship Manager to manage an established portfolio of SME clients across metropolitan Melbourne. You will serve as the trusted financial advisor to business owners, identifying funding opportunities, structuring commercial loans, cash flow facilities, and merchant solutions that accelerate their business growth.

As a key member of the team at National Australia Bank (NAB) in Melbourne, VIC, you will play a central role in driving excellence, upholding top-tier Australian industry standards, and contributing directly to the strategic milestones of one of the nation’s premier employers.

Key Duties & Core Responsibilities

In this critical role, your operational duties and key performance responsibilities will encompass:

• Manage and: Manage and grow a dedicated portfolio of SME business clients with annual revenues between $3M and $25M.
• Structure commercial: Structure commercial credit proposals including term debt, overdrafts, bank guarantees, and trade finance.
• Partner with: Partner with specialized product partners (Asset Finance, Merchant Solutions, Treasury) to deliver holistic banking solutions.
• Conduct annual: Conduct annual financial reviews, monitor portfolio credit health, and manage risk covenant compliance.
• Build strong: Build strong referral networks with accountants, commercial brokers, and local business chambers.

Required Qualifications, Licenses & Experience

To be successful in this position at National Australia Bank (NAB), candidates are expected to satisfy the following essential selection criteria:

• Mandatory Qualification: Tertiary qualification in Business, Finance, Commerce or Banking.
• Relevant Experience: Minimum 4+ Years of verified industry experience in Australia or recognized overseas equivalence.
• 4+ years of commercial or business banking experience managing client portfolios.
• Proven track record in business development, credit memorandum writing, and financial statement interpretation.
• Solid understanding of SME business dynamics, cash conversion cycles, and lending security structures.
• High emotional intelligence, consultative sales ability, and relationship-building acumen.

Core Competencies & Key Technical Proficiencies

The successful applicant will possess demonstrated capabilities across the following domain skill sets:

Salary, Compensation & Employee Benefits

At National Australia Bank (NAB), we understand that our people drive our achievements. An outstanding remuneration and wellbeing package is provided in line with Australian benchmarks:

• Competitive Remuneration: AU$120,000 – AU$145,000 per year + standard Australian Superannuation (11.5%).
• Attractive salary ($120,000 – $145,000) + competitive annual incentive bonus.
• Flagship 395 Bourke Street campus with modern customer meeting suites and agile workspace.
• Extensive NAB employee banking benefits, discounted loans, and lifestyle discounts.
• Leave Entitlements: 4 weeks annual leave (with 17.5% annual leave loading where applicable) plus 10 days paid personal/carer’s leave.
• Flexible Work: Progressive work-life balance options with supportive corporate culture and leadership development pathways.

About the Employer: National Australia Bank (NAB)

National Australia Bank (NAB) is Australia’s largest business bank, partnering with small, medium, and large enterprises to drive commercial growth.

National Australia Bank (NAB) is deeply committed to building diverse, equitable, and culturally inclusive work environments. We proudly celebrate diversity and welcome applications from all qualified individuals including First Nations Australians, people with disabilities, and candidates from culturally and linguistically diverse backgrounds.

Application Process & Next Steps

Applications for this position are currently open and being reviewed on a rolling basis. Suitable candidates are encouraged to apply as early as possible before the published closing date.

Please prepare an updated Curriculum Vitae (CV) and a tailored Cover Letter highlighting your relevant experience against the key selection criteria outlined above.

To proceed with your application, click the Apply on Employer Site button to access the official National Australia Bank (NAB) careers gateway.