Head Of Country Banking Credit

**About us**

Rabobank is the world's leading specialist in food and agribusiness banking. One of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long-term value for clients. Our commitment to our employees and clients is at the heart of everything we do.

At Rabobank our culture is unique, because every day our people work knowing that we are all playing our part in supporting our farmers to feed the world. Our culture is focused on growing each other. We strive to create an open, balanced and flexible workplace where people feel that they belong, can be open and honest and are supported.

**About the role**

Reporting to the Regional Head of Credit Risk; and with 6 direct reports, the Head of Country Banking Credit's primary responsibility is the leadership and management of credit approvals for the Country Banking and Major Agribusiness Clients (MAC) teams in Australia.

This role will be responsible for challenging, overseeing and maintaining credit risk appetite within Country Banking Australia through leadership of the Country Banking Approvals function. There will also be opportunity to work with the Regional Head to be involved in various efficiency, regulatory, reporting and change management projects.

This is a 2nd Line of Responsibility role and Rabobank operates with a 3 Lines of Responsibility ("3LoR") model. 3LoR is the way we organise ourselves to collaboratively deal with risks in a proactive and responsible way. It means we are clear on our role and responsibilities, while respecting and understanding the roles & responsibilities of others. It enables us to do the right thing in our daily activities for our customers.

The primary responsibility of Credit Risk, Australia ("Credit") is to challenge the risk taking of the Country Banking First Line of Responsibility within Country Banking lending.

Core activities of Credit include:

- Proactively challenging the risk taking through analysis, advice & opinions
- Provide effective & efficient co-approval and oversight via delegated authority
- Influence first line of responsibility (1LoR) business ownership of credit risk, advocate heightened risk awareness and maturity, enable an open transparent culture and integrate risk management into standard business practices and procedures, is critical

**What we are looking for**
- Financial, Commerce or Accounting tertiary education
- Proven commercial lending/credit experience
- Knowledge of Australian Country Banking industries and related production systems
- Technical knowledge and understanding of credit risk fundamentals and philosophies, actions and structures (particularly in an Agribusiness environment)
- Superior credit risk analysis and assessment skills
- Commercial lending experience
- High level of financial skills including ability to analyse balance sheet, profit & loss and cash flow statements and a sound understanding of valuation principles
- Strong written and verbal communication skills with the ability to liaise across business units including front office, legal, financial restructuring and operations
- Computer Literacy including Word, Excel and ideally the Bank's core credit systems including CMS+ and risk rating models

**Our Values, Vision and Mission**

Rabobank Australia fully embraces inclusion and belonging and delivers positive experiences for our people and clients. Our great working conditions, broad learning and development programmes and the opportunity to work together for the greater good are reasons why our employees love working here. We are committed to our values; we are client focussed, action oriented, purposeful and courageous in our work. We are professional and considerate and bring out the best in each other and are committed to keep learning. We have an open culture, where you can be yourself and be valued for who you are.

**What we're proud to offer you**:

- As part of our wellbeing offering, we also have Wellbeing Leave. These extra leave days can be used in a way that helps achieve greater work/life balance. It's just another way we are helping our employees to lead happier, healthier and more fulfilling lives.
- Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development.
- An inclusive Parental Leave policy that supports you and your family while giving you the freedom and flexibility to enjoy this special time (Primary carer up-to 14 weeks paid 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. With an option to also purchase another 2 weeks Annual Leave.
- 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, Temporary & Permanent Dis