Credit Approvals Manager

**About Us**:
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.

**About the role**:
Rabobank’s Credit Risk Management team is an independent pro-active risk management team within Risk 2nd line of defence. The team now has an opening for a Credit Approvals Manager supporting the VIC/TAS/WA Territory. This role will oversee the credit granting process as it relates to Rabobank’s Country Banking / rural lending business. This role can be based in locations across Rabobank offices (Victoria, Tasmania or Western Australia preferred).

Due to an internal movement Rabobank's Credit Risk team has an opening for Credit Approvals Manager. This is a hands on role with no direct reports. In this role you will challenge the first line of defence & engages with Second / Third line colleagues on a timely & proactive basis to achieve & maintain a high-quality portfolio by reducing credit & operational losses, ensuring that risks (financial & non-financial) are properly identified & addressed & that trends are recognised & acted upon.

**Top Role Accountabilities**:

- Responsible for second line transactional engagement with the Country Banking business from loan origination through to approval. Ensure that risks are properly identified & clients & transactions fit the risk appetite whilst acting as a decision maker with delegated authority
- Be fully accountable for all decisions with delegated authority & appropriate communication of decisions in a timely manner
- Independently form an opinion on the acceptability of the risk, in terms of credit, structure, legal, tax & commercial aspects, to ensure high quality & timely decisions are made to facilitate an effective approval process
- Maintain strong working collaboration & provide guidance & support to branch staff & management on the content, structure & account management strategies
- Detecting changes in the internal & external context, including changes to risk criteria & the risk itself which can require revision of risk treatments & priorities
- Management of credit account management requirements, including account excesses, overdue reviews to ensure adequate account control across the credit portfolio
- Provide input into the ongoing development of credit policies and procedures and product development

**To be successful in the role, you will have**:

- A minimum of 5 years’ experience in a credit risk role
- Exposure to either lending into the Rural/Agricultural or Middle Market Commercial sectors preferred
- A thorough understanding of Credit Risk Management within the financial services industry & related regulatory standards (ECB, APRA)
- Solid credit risk analysis & assessment skills
- Excellent interpersonal, verbal & written communication skills
- Ability to communicate all outcomes / decisions confidently & empathetically

**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**:
**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 realise 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 recognises 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

**Other Extras.** Annual equipment or wardrobe allowance, annual flu shorts, discounted health insurance, EAP & more