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About the Role
This critical second line risk role oversees complex credit transactions for Wholesale Banking and Major Agribusiness clients, influencing high-value credit decisions and providing independent risk oversight.
Responsibilities
- Provide proactive and independent risk management expertise.
- Challenge and partner with frontline business teams.
- Contribute to high-quality credit decisions.
- Maintain a strong risk culture.
- Engage directly with transaction teams from origination through approval.
- Form independent risk opinions and approve transactions within delegated authority.
- Partner with Wholesale Banking and Country Banking teams throughout the deal lifecycle.
- Assess complex credit submissions and evaluate credit, structural, legal, tax and commercial risks.
- Provide independent risk challenge and guidance on transaction structures.
- Approve credit applications within delegated authority and provide recommendations to higher approval authorities.
- Ensure transactions align with Rabobank's risk appetite, policies and regulatory requirements.
- Monitor emerging risks, market developments and portfolio trends.
- Contribute to risk management and enterprise risk reporting.
- Analyse events, trends, successes and failures to strengthen risk management practices.
- Support the ongoing development and enhancement of risk frameworks and policies.
- Build trusted relationships across Country Banking, Wholesale Banking and Risk functions.
- Collaborate with Legal, Compliance, Operational Risk, Tax, Audit, Sustainability and other key stakeholders.
- Act as a valued risk adviser while maintaining independent decision-making and oversight responsibilities.
- Provide coaching, guidance and daily support to Risk Officers.
- Assist in developing technical credit capability and risk management expertise within the wider team.
- Contribute to a culture of learning, collaboration and continuous improvement.
Requirements
- Bachelor's Degree or equivalent qualification.
- Minimum 10 years' experience within financial services.
- At least 5 years' experience assessing and approving large, complex corporate or institutional credit transactions.
- Experience assessing project finance transactions will be highly regarded.
- Strong understanding of credit risk management principles and frameworks.
- Experience analysing sophisticated lending structures and commercial transactions.
- Deep understanding of credit risk assessment and portfolio management.
- Strong knowledge of banking and finance operations.
- Understanding of regulatory frameworks including APRA requirements and broader prudential risk management standards.
- Knowledge of key credit risk drivers, risk mitigation techniques and emerging risk trends.
- Exceptional judgement and decision-making skills.
- Advanced stakeholder management and influencing capabilities.
- Strong negotiation and relationship-building skills.
- Excellent written and verbal communication.
- Ability to balance commercial objectives with prudent risk management.
- Highly organised with strong prioritisation and time management skills.
- Collaborative approach with the ability to work across multiple teams and disciplines.
Skills
- Credit Risk Assessment
- Portfolio Management
- Stakeholder Management
- Influencing
- Negotiation
- Relationship Building
- Written Communication
- Verbal Communication
- Prioritisation
- Time Management
Location
- Australia
Work Type
- Full-time
Experience Level
- Senior
- 10+ years experience
- 5+ years experience
Education Level
- Bachelor's Degree or equivalent qualification
About the Company
- Rabobank is the world's leading specialist in food and agribusiness banking.
- With deep roots in rural communities and a global network spanning more than 35 countries, we are committed to helping our clients build sustainable and successful businesses.
- At Rabobank, you'll be part of a purpose-driven organisation dedicated to supporting clients who feed the world.
- We offer meaningful work, a collaborative culture and opportunities to develop your career while contributing to sustainable growth across the food and agribusiness sector.