Risk Officer, Wholesale Banking

4 weeks ago

Sydney, Australia RABOBANK Full time

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.

Rabobank Australia has recently been awarded 18th place in LinkedIn’s Top Companies 2023: The 25 best workplaces to grow your career in Australia. We are in extremely proud of this achievement, as it reflects the investment in our people, their growth and development.

About the role:

The Risk Officer (RO) function within Credit Risk Management Australia is an independent pro-active risk management role within the second line of defence. The main responsibility is to oversee the credit granting process as it relates to Wholesale Banking business and a subset of clients within the Country Banking business representing Major Agri Clients with post farm gate operations, investment funds or investment sponsored transactions. The role includes transaction approval within delegated authority under the Credit Risk Approval Framework

The RO challenges the first line of defence and engages with Second / Third line colleagues on a timely and proactive basis to achieve and maintain a high quality portfolio by reducing credit and operational losses, ensuring that risks (financial & non-financial) are properly identified and addressed and that trends are recognized and acted upon.

The Risk Officer Wholesale Banking and MAC, Manager engages with the business at a transaction level providing initial risk input and deciding upon / providing risk advice to approving authorities on submissions.

Key Responsibilities and Accountabilities: 

  • Responsible for second line transactional engagement with the Wholesale Banking and Country Banking business from origination through to approval. Ensure that risks are properly identified and clients and transactions fit the risk appetite whilst acting as a decision maker within delegated authority
  • Independently forms an opinion on the acceptability of the risk, in terms of credit, structure, legal, tax and commercial aspects, to ensure high quality and timely decisions are made to facilitate an effective approval process.
  • Approving credit applications under Rabobank’s Group Credit Risk Approval Framework.
  • Detect changes in the internal and external context, including changes to risk criteria and the risk itself which can require revision of risk treatments and priorities (Risk Appetite Statement, Policies and Procedures)
  • Engages within other Risk Departments and Risk Officers to ensure quality of decision taking, portfolio management and adequate engagement with 1st line business and other stakeholders across other departments

To be successful in this role, you will have:

  • Prior experience in a similar role of which, with exposure to Large and Complex transactions.
  • A thorough understanding of Credit Risk Management within the financial services industry and related regulatory standards (ECB, APRA).
  • Understanding of banking and finance operations.
  • Experience with complex capital structures and related transactions.
  • Understanding of corporate and wholesale products.

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:

Rabo@Anywhere is our hybrid way of working at Rabobank and for Australia, that means we have a blend of time working between the office and home.

Wellbeing leave. These 2 extra leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives.

Education Assistance Program. Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development.

Parental Leave 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)

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 and 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 and 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.

Rabobank is committed to a culture where diversity and inclusion is valued, respected and encouraged. We welcome applicants from diverse cultures, faith and sexual orientation.

If you’d like to discuss how we can make our opportunities more accessible to you, please let a member of the Talent Acquisition team know.

Rabobank is not accepting submissions from recruitment agencies for this role.

You must hold valid work rights to be considered for this role.

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