Regional Credit

You will be based in Sydney, and report directly to the Regional Chief Risk Officer, and secondarily to the Corporate Credit Specialist (Credit) and Global Corporate Recovery Officer (C&R). You will work closely with 1st and 2nd line underwriting organizations, Collections and Recovery teams, and leadership to safeguard our portfolio and profitability

Find out more here about how you can unleash your full potential at DLL.
**Day to day**
- Provide powerful functional guidance towards the countries
- **Take Risks**: Propose risk appetite in alignment with the business:

- Manage and liaise with all DLL parties including Group Risk Management departments, internal stakeholders and external customers/partners within the dedicated countries with respect to risk management matters and representation of DLL Group.
- **Take Risks**: Execute business strategy and maintain risk profile within the risk appetite and underwriting criteria.
- Prepare Funding Limit Applications and overviews to the Global Risk Committee and Rabobank WR for approval
- Ensure timely and quality submission of material to Global Credit Committee and Global Risk Committee.
- Credit and risk management activities concerning highly complex deal structures (highly customized payment conditions, agreements, proposals) with knowledge of all business units and customer sectors,
- Beyond local credit committee authority / complex transaction structures, major deviations from the approved vendor program, typically large (international) clients
- **Take Risks**: Provide clear substantiation for new business, restructuring and recovery decisions and product proposals and material changes.
- **Own Risks**: Embrace effective forward looking risk management by identifying, assessing, managing, monitoring and reporting on risks incurred in business activities.
- **Own Risks**: Act consistent with the DLL values and supporting policies and standards:

- Provide coaching, guidance, training, and coordination for the Region’s countries.
- Coach country risk members and business partners in reviewing and organizing their own Country Risk capacity and capabilities for all risk areas as well as industry specialization, in line with the business objectives as well as the COO Risk / Group C&R planning and available budget, in such a way that the COO /Group C&R and Country Risk strategy, planning and objectives are achieved.
- Direct responsibility for coaching the (performance and development) of the Country credit underwriters and C&R recovery specialists.
- **Own Risks**: Demonstrate adequate oversight of risks in business activities via “in control” statements.
- **Manage Risks**: Implement supporting systems, models, processes, procedures, and deliver training in order to adhere to policies:

- Promote an Integrated Risk Management culture in the countries, including Customer Due Diligence, Treat your Customers Fairly (TCF), portfolio management, emerging client risks, climate risk, sustainability, etc.

**Your Profile**
- Appropriate academic qualifications, e.g. Bachelor’s / Master’s degree in business / finance / accounting.
- Minimum of 10 years’ experience in a Banking / Finance environment, managing both financial and non-financial risks.
- Highly experienced Credit /Risk Professional, with 10+ years in complex transaction structuring.
- Superior Credit Application (new business / reviews) and Loan Strategy Report (C&R workouts) writing skills.
- Proven C&R strategy / workout experience is highly preferred.
- Experience in DLL’s lines of business is preferred.
- Quality driven and results orientated.
- Highly adaptable.
- Proactive self-starter.
- Strongly collaborative. Displays excellent ability to build internal and external relationships across a variety of levels, countries, and cultures.
- Strong influencing skills, able to advocate on behalf relevant internal and external stakeholders, in dynamic and challenging settings.
- A natural Developer / Coach - creating and delivering high quality training across a number of functions and countries.

**All members enjoy**
- Two working days per year volunteering for a local charity.
- Health and Wellness program including healthy food, free health checks, fun health & vitality activities.
- Flexible hours with possibility to work from home
- Career development opportunities: online learning, member development programs.
- Click this link for an overview of all the benefits in your region.

“We not only live up to the expectations of our customers for today, but also anticipate their market needs of tomorrow.”
**Choose wellbeing**
DLL’s wellbeing ambition is to educate, equip, and empower members to build connections, manage their mental, emotional, physical, and financial wellness, and maintain balance between work and the other priorities that make up their lives.

Our four wellbeing categories are as follows:

- Connection - Build meaningful connections with other members
- Health - Manage mental, emot