Credit Portfolio Analyst in Sydney

We are a stellar global organisation and a prominent leader within the Corporate Banking industry. With a sizeable operation based in Australia, we provide clients and businesses with a range of corporate products and services. Key to our success is the ability to attract and retain tier one talent by affording an equitable environment that supports career growth and opportunity.

Reporting to the Risk Team Leader, the Credit Portfolio Analyst will develop, maintain and improve the team function, reporting, risk analysis, policy and procedures to enhance accountability, security and efficiency within the business.

Key duties will include:

• Overall credit portfolio management and generating routine reports to branch management, APRA and Head Office as well as the Credit Portfolio Sub Committee.
• Developing credit risk models and reviewing and updating credit policy in accordance with external and internal regulations.
• Daily credit system processing operation and maintenance.
• Credit management relevant tasks, such as updating the credit manual, research work, presentations and statistic report preparation for external reviews.

Your responsibilities will include but are not limited to:

• Conducting credit portfolio analysis based on in-house data on a regular basis, and providing credit portfolio reports to management.
• Handling in-depth analysis in relation to credit management to provide guidance on business development, such as industry analysis and stress testing.
• Liaising with other departments to review and verify loan classification, undrawn commitment, and loan maturity. Investigating and reporting any irregularities and overdue.
• Administering the in-house credit system to ensure daily operations are in line with credit procedures and authorisation.
• Post-disbursement management of all credit exposures.
• Ongoing development and review of credit risk management framework and credit policy in accordance with external and internal policies and regulations.
• Reviewing credit procedures from a risk perspective.
• Assisting in the development of credit policy and procedure for new credit products.
• Participating in the development and review of credit rating, economic capital measurement, credit pricing model and other credit management models.
• Researching regulations introduced by APRA, ASIC and other authorities in terms of credit risk management.
• Provision of regular credit training programs for staff in the bank.
• Familiarity and effective maintenance of internal systems including but not limited to GCMS and all forms of internal models.

A minimum of 2 years of experience in a local bank or financial institution is required. Credit portfolio, credit assessment, or credit management experience is highly recommended. Tertiary qualifications majoring in an appropriate commercial discipline are essential. Excellent financial and analytical skills, well-developed knowledge of Australian banking standards, and proficient written and oral communication skills in English and Mandarin at all levels will be advantageous. Good professional skills in handling MS Office are essential.

In return, the employer of choice can provide your career with ongoing technical and personal development coupled with a highly collaborative work environment in which to add value.