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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit assessment and decision-making within a delegated authority framework, with strong capabilities in credit analysis and commercial lending. Possesses a solid understanding of agricultural industries and rural production systems, ensuring effective risk governance and portfolio management.
Highest-signal resume keywords
Credit AssessmentRural Lending ExperienceCredit Analysis SkillsFinancial Statement InterpretationCredit Writing
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 AssessmentCredit AnalysisCommercial LendingFinancial Statement InterpretationRisk ManagementPortfolio ManagementCredit WritingDecision-MakingLending PracticesAgricultural Industries Knowledge
Soft Skills
Expert GuidanceStakeholder SupportCommunication
Industry Keywords
Rural LendingAgribusinessFinanceEconomicsAccounting
About the role
Key responsibilities & impact- Assess and approve rural lending applications within delegated authority
- Review new lending requests, increased facilities, annual reviews, excesses, and loan variations
- Provide expert credit guidance to Relationship Managers and Rural Banking teams
- Support stakeholders to enhance the quality and effectiveness of credit applications
- Prepare recommendations for higher delegated authorities where required
- Ensure timely turnaround of applications according to service level agreements
- Monitor and manage portfolio risks, identifying deteriorating trends and emerging risks
- Contribute to developing and enhancing credit policies, procedures, and lending practices
- Support strong risk governance and portfolio management outcomes across the Country Banking business
Requirements
What you’ll need- Tertiary qualifications in Agriculture, Accounting, Economics, Finance, Agribusiness, or a related discipline
- Experience in rural lending in a similar position
- Strong banking experience with exposure to rural and commercial lending
- Proven credit assessment and decision-making experience within a delegated authority framework
- Strong credit analysis and commercial lending skills
- Ability to interpret financial statements, cash flows, balance sheets, and valuations
- Sound understanding of agricultural industries and rural production systems
- Proven capability in credit writing and presenting complex lending proposals
- Applicants must hold valid work rights for this role
Benefits
Comp & perks- Rabo@Anywhere hybrid working between the office and home
- Wellbeing leave
- Education Assistance Program for professional development
- Up to 14 weeks paid parental leave
- Bonus and additional leave: 1 extra week annual leave for eligible employees and 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