Associate

**Work type**: Permanent Full time
**Region**: VIC- Melbourne CBD

**Associate - DSE High Growth Emerging Corporate, Melbourne**
- **You’ll join a high-performing business, backing talented individuals**:

- **We win in the right way, which is always putting our customers first**:

- **Full time opportunity based in Melbourne CBD**

**In this role, a typical day for you will include**:

- Provide support to Associate Director DS&E, Senior Associate DS&E and Relationship Banking Teams for Diversified Transactions Debt Size >20mil - 100mil.
- Provide financial and risk analysis, with detailed complex lending submissions of high quality.
- Ensure that all group exposures have been accurately assessed, with support from Associate Director DS&E and Senior Associate DS&E as required.
- Ensure that a commercial approach is evident, to protect both clients and the Bank.
- Gather the correct and appropriate information from customers and the Relationship Team.
- Assist Relationship Team, Customer at discussion stage to put together structures, facilities, term sheets/New Deal Advice’s

**Responsibilities.**
Analyse and prepare detailed Lending Submissions in conjunction with the High Growth and Emerging Corporate Relationship Banking Teams, Senior Associate DS&E and Associate Director DS&E, that includes:
Completion of all formal New to Bank, Increased and Annual Review submissions for exposures that have been classified within the HGEC exposures. Exposures may or may not be within HGEC VIC and may extend to the broader Business Bank with the function supporting all DS&E exposures

File activities include:

- Preparation or Client Evaluation.
- Industry and Benchmarking Analysis.
- Financial Analysis including Sensitivities.
- Primary & Secondary Exit Analysis.
- Risk rating (crs) management to ensure correct risk profile is reflected.
- Covenant Reporting review/confirmation/explanation.
- Readily involved in customer meeting with Relationship Team.
- Coaching, mentoring and development of peer Associate DS&E and Relationship Team around large and complex operations and financial analysis to improve knowledge and capability.
- Analysing and researching a wide range of Diversified Industries to improve knowledge and provide valuable information to the wider team, including customer and industry insights.
- Proactively manage risk and meet all policy and compliance requirements.
- Be able to manage and fulfil Relationship Tasks for Bankers and Customers.
- Contribute to Revenue and ROE growth: in line with PU; Including pricing considerations as part of file completion / approval to ensure exposure is providing appropriate returns based on tenor and crs.
- Risk and compliance management: in line with PU. Through attention to early warning signs including crs deterioration & market / industry disturbances.

**What you will bring**
- Ideally 1-3 years’ experience in deal structuring and execution and/or similar related, ideally within banking and financial services and/or a large corporate environment.
- Ability to interact, influence and work with multiple stakeholders at all levels.
- Highly developed communication and stakeholder management skills (both written and verbal)
- Demonstrated experience in providing commercial and pragmatic solutions to complex problems.
- Must be able to multi-task and prioritise workload
- A passion for customer service and experience
- Relevant tertiary qualifications (desired)

If you are an individual who loves problem solving, can take initiative and produce results, whilst working collaboratively and autonomously as a team. We’d love to hear from you

**A diverse and inclusive workplace works better for everyone**
We know that our people make us who we are. That's why we have built a culture of equity and respect - where everyone feels valued and appreciated for being their authentic selves. In partnership with our multiple Employee Resource Groups (ERGs) we continue to foster an inclusive environment, where all NAB colleagues’ unique backgrounds and identities are understood, respected and celebrated. We are committed to providing an environment where you can work your way.

**Join NAB