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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis and risk assessment, with a strong focus on financial performance evaluation and compliance with credit risk policies. Proficient in preparing high-quality credit submissions and conducting thorough annual credit reviews.
Highest-signal resume keywords
Credit AnalysisRisk AssessmentFinancial Performance EvaluationCredit Risk Policies ComplianceMoody’s Risk Analyst (MRA)
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Quality AnalysisFinancial AnalysisRisk Adjusted Return on Capital (RAROC)Loan Quality ClassificationProbability of Default AssessmentLoss Given Default CalculationExposure at Default DeterminationData Quality ManagementCredit Submission PreparationAnnual Credit Reviews
Soft Skills
Problem AnalysisCollaborationInformation SharingKnowledge SharingStrategic Decision Making
Tools & Technologies
Moody’s Risk Analyst (MRA)
Industry Keywords
Banking EnvironmentCorporate ClientsInstitutional ClientsCredit RiskComplianceCredit ApprovalBusiness RisksFinancial RisksClient ProfitabilityCredit Protection Register
About the role
Key responsibilities & impact- Analyse and evaluate credit quality and counterparty ratings through financial analysis and individual research
- Work closely with the responsible Relationship Manager while maintaining an independent credit assessment role
- Identify legal counterparties and credit bases
- Assess proposals for compliance with Credit Risk Policies, Risk Appetite, and previous credit approvals
- Analyse business risks, including sustainability, client-related integrity risks, and management assessment
- Analyse financial risks, including historical and forecast financial performance with appropriate sensitivities
- Accurately populate Moody’s Risk Analyst (MRA)
- Analyse group structure risks
- Determine credit risk parameters, including loan quality classification, impairment triggers, probability of default, loss given default, and exposure at default
- Assess client profitability using Risk Adjusted Return on Capital (RAROC)
- Prepare high-quality, concise credit submissions with a focus on data quality and integrity
- Provide opinions on credit submissions and customer credit profiles
- Complete annual credit reviews in a timely manner
- Record, monitor, and satisfy special conditions and covenants within risk tolerance levels
- Regularly update the Credit Protection Register to reflect accurate collateral positions
Requirements
What you’ll need- Strong experience in a banking environment with exposure to Corporate/Institutional clients, either as a credit analyst, credit approval professional, or in another relevant capacity
- Credit and banking knowledge
- Product/market knowledge
- Ability to substantiate strategic and operational choices based on sound problem analysis
- Ability to collect relevant information, analyse data, correlate information, and draw correct and realistic conclusions
- Ability to contribute to joint results through collaboration, information sharing, knowledge sharing, and achieving synergies
- Applicants must hold valid work rights for this role
- Recruitment agencies are not accepted for this role
Benefits
Comp & perks- Wellbeing leave
- Education Assistance Program for professional development
- Up to 14 weeks paid parental leave
- 4 weeks annual leave
- Eligible employees may receive 1 extra week annual leave
- Option to purchase another 2 weeks annual leave
- Employer-funded Death, TPD and Income Protection Insurance for eligible permanent employees
- Rabo Workplace Giving program with matched employee donations to selected Social Partners
- Hybrid work arrangement
- Inclusive, belonging-focused work environment
- Workplace accommodations to improve accessibility