Associate Director, Credit Analyst

Permanent Role
- Sydney based - hybrid working, WFH two days per week Incredible opportunity to join Westpac's Institutional Bank

**How will I help?**

An excellent opportunity has arisen for an experienced Associate Director with solid credit analysis skills to join Westpac's Institutional Bank (WIB) in the Consumer & Services Analyst team in Sydney.

This team is responsible for high quality origination and delivery of best-in-class customer and industry insights to differentiate our sales proposition and enhance our conversations with valued clients.

The primary responsibility of this credit analyst role is to efficiently manage a portfolio of Corporate & Institutional sized clients across numerous sectors of Consumer & Business Services, and provide robust analysis and deliver sound & sustainable credit recommendations, including the ongoing support and monitoring of the customer portfolio as the primary credit analyst.

You'll collaborate with your analyst peers, product experts, and Relationship Managers to help initiate and structure a range of banking transactions, whilst being sensitive to the customer's needs. This includes providing value added research that can be used by both our customers and internal stakeholders.

You will also:

- Build relationships and establish rapport with clients and with internal stakeholders.
- Discussing business plans, financials, and credit challenges with clients.
- Ensure that all aspects of the credit process, including the required due diligence, are properly executed.
- Write credit submissions including detailed risk analysis and financial forecasting, and be able to present and negotiate submissions through WIB's risk management decision process.
- Test proposals against approved business and credit strategies, target market acceptance criteria and underwriting standards.
- Prepare industry analysis and insights reports for both internal stakeholders and clients. Assisting in reviewing credit policies of the bank aimed at ensuring that policies reflect the latest industry and market trends and lead to efficient credit risk management.

**What's in it for me?**

Inspiring locations. Flexible workspaces. And unexpected opportunities. Plus, the backing and great benefits from one of the most refreshing employers in Australia. For example, you'll be able to have access to some of the best banking, wealth and insurance benefits in the market, be paid well, as well as an entire suite of online learning and career planning tools so you can grow.

Whatever shape your family takes, we offer generous paid and unpaid parental leave for your nominated primary and support carers. This includes leave to organise adoptions, surrogacy, and foster care arrangements. And we continue to pay your super contributions while you take all the time you need to get your new family settled.

**What do I need?**

To be successful in this role you will have at least 4-5 years' experience in Corporate or Institutional banking or a related field, with experience in credit writing, credit analysis and assessment.

You will have the following:

- Experience in managing a portfolio of Multinational, Institutional sized clients and the various aspects of Institutional Banking that go with this across Financial Markets, Syndications and multi-bank relationships will be viewed favourably.
- Knowledge of Westpac's systems and credit appetite will be advantageous.
- Advanced Microsoft excel and financial modelling skills, and being able to work with and produce 3-way financial models will be viewed favourably.
- You will demonstrate strong attention to detail and the ability to juggle multiple priorities while building relationships with a variety of stakeholders and external clients.

Some further advantageous skills:

- Knowledge of how to build customer relationships and experience managing customers would be beneficial. Strong communication and influencing skills required to manage significant relationships with stakeholders.

**What's it like to work there?**

For the past 200 years, we've been backing people, businesses, communities, and ideas. As Australia's first bank, we've adapted and evolved, inspired by our customers and a genuine desire to create better futures.

Together, we're creating better futures for all our people, customers, communities, and shareholders. This has been our enduring Purpose.

We make change happen in the community. It's our shared vision of a safer, greener and more inclusive world that sees us back new ideas, innovations and individuals who are creating better futures.

**How do I Apply?**

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**Do you need reasonable adjustments during the recruitment process?