Senior Credit Manager

Job Description

Rabobank is the world’s leading specialist in food & agribusiness banking. One of our key strengths lies in our people who have a deep understanding of agriculture & are committed to adding long-term value for clients. Our commitment to our employees & clients is at the heart of everything we do. Rabobank’s Credit Risk team provides independent pro-active risk management within the second line of defence. Rabobank’s Credit Risk team has an opening for a Senior Credit Manager, Credit Approvals. This is a people leader role reporting to the Head of Credit Approvals, Australia. As Senior Manager, Credit Approvals, you will play a crucial role in maintaining risk appetite, governance, & direction of the Bank’s rural loans within the Country Banking network. Your influencing skills will be leveraged with front office staff at all levels in setting the conditions on which loans are to be approved &/or supported to higher authorities including Credit Committees. This role will support the portfolio for Victoria, Tasmania & Western Australia. The successful candidate can be based in either Sydney, Melbourne or Perth. Top Role Accountabilities: Act as a trusted advisor to the first line on credit applications & account management strategies to a range of stakeholders including rural banking staff. Assess credit submissions & reviews & provide feedback to rural banking staff on the decision. Approve loans within your delegation, aligning with the bank’s credit risk appetite. Provide guidance, coaching, and development to a small team of direct reports. Manage the day-to-day credit approval volumes to ensure efficient & timely turnaround. Oversee credit-related account administration including account excesses, overdue reviews, and account quality classification. Identify & address credit training gaps within your team & the front office. Continuously review & improve credit processes for operational efficiency. To be successful you will have: Experience in banking, with exposure to lending in Rural/Agricultural or Middle Market Commercial sectors. Exposure to Credit decisioning in these sectors is essential. Proven leadership skills in managing, coaching, & developing a small team. Strong financial analysis skills, with the ability to analyse & interpret balance sheets, profit & loss, & cash flow statements. An understanding of valuation principles. Expertise in credit writing, case presentation & technical credit principal knowledge. An ability to influence key stakeholders at all levels. Excellent written & verbal communication skills, with a knack for building collaborative relationships. Our Values Rabobank Australia values inclusion, belonging, & positive experiences for all. Our work environment, our benefits, & the way we live our values, “Client Driven”, “Responsible”, “Professional” & “Cooperative” make it a great place to work. We welcome applicants from diverse backgrounds. Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you. What we're proud to offer you: is our hybrid way of working at Rabobank & for Australia, that means we have a blend of time working between the office & home. Wellbeing leave : These 2 extra leave days support greater work/life balance & is just another way we are helping our employees to lead happier, healthier, & more fulfilling lives. Education Assistance Program : Rabobank values the development of its people & has a great Education Assistance Program to assist with professional development. Parental Leave : that supports you & your family while giving you the freedom & flexibility to enjoy this special time (up-to 14 weeks paid leave). Bonus and Additional Leave : We realize sometimes 4 weeks Annual Leave isn't enough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave & an option to purchase another 2 weeks Annual Leave. Extra Insurance : Rabobank recognizes that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD & Income Protection Insurance. Rabo Workplace Giving program : As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners. The Application Process This is our standard application process. It may vary by role. Step 1: You Apply - Thanks for applying! You will always receive a confirmation of your application by email. We review all the CVs and covering letters that we receive. We will let you know as soon as possible if we invite you for an interview. Step 2: Interview - We invite you for one or more (online) interviews. We want to know if you fit the role and the team. You probably have many questions for us too. For some positions, we may also ask you to complete an assignment or assessment. Step 3: Our Offer - Are you the new colleague we are looking for, and do you also feel happy with us? Congratulations! You will receive a good offer from us. Before you start, we conduct a legal screening to ensure that our employees do not pose a risk to us and our customers. Step 4: Welcome! - Welcome to Rabobank! We look forward to seeing you and can't wait to work together. What working rights do you hold for Australia? Please describe your remuneration expectations (base + salary). Connections to Rabobank: Do you have any friends, family or financial connections to Rabobank? #J-18808-Ljbffr