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Senior Credit Risk Analyst

Cuscal Limited - Sydney, NSW

Banking & Finance
Source: uWorkin


Purpose of the role

Manage credit risk on a portfolio of counterparty exposures. Prepare and process credit applications from financial institutions and other potential borrowers/counterparties for approval by carrying out necessary credit and other assessments in line with the documented procedures. Provide assistance in the management of the Corporation's credit risk in accordance with prudential standards and Board policy to minimize the potential for loss.

Key Accountabilities 

Credit Risk Management

  • Management of credit risk on a selected portfolio of ADIs and Corporate exposures
  • Preparation and processing of detailed credit submissions for all committed and uncommitted facility applications and annual reviews on counterparties for approval by delegated authorities in accordance with the corporation's policies
  • Ongoing monitoring of counterparties' creditworthiness and their latest development via all available means such as periodic financial updates and covenant, limit excess or watch list reporting
  • Provision of timely credit decisions for all permanent and transactional credit requests as per delegated authorities
  • Where necessary meet with clients and Relationship Manager for credit risk review and update
  • Maintain complete and accurate counterparty records in all risk management system and database on the designated portfolio
  • Assist in the preparation of reports for submission to ALCO and the Board Risk Committee and any other committees as required
  • Assist the ongoing improvement to existing credit risk related policies and procedures and their implementation
  • Provision of support within the Credit Risk team and to other business units in their effort to deliver core job requirements.

Experience and Knowledge

  • 3 to 5 years of credit experience covering financial institutions and corporates.
  • Sound understanding of credit analysis techniques
  • Good general knowledge of the APRA prudential standards, particularly those applicable to ADIs
  • Familiarity with lending practices and products
  • Good understanding of rating agencies
  • Familiarity with loan security documentation
  • Understanding of credit scoring models

Technical Competencies

  • Sound ability to read and understand balance sheets, profit & loss, cash flow statements and other financial reports
  • Ability to identify and focus on key credit issues
  • PC based systems skills including Access, Excel and Word processing together with a general understanding of computer systems. 

Next Step:

To apply for this role please email your CV and cover letter to Meenal Sharma  at msharma2@cuscal.com.au with the role you are applying for as the subject line. Due to the high volume of applications that we receive, we will only reach out to shortlisted candidates. We look forward to receiving your application.

Agencies: we will be in touch with our preferred panel if we require assistance in recruitment. We ask that you do not send unsolicited CVs or contact hiring managers directly.