Credit Analyst
You will work within a Team of Analysts that support the Relationship Managers and Business Development Managers in analysing and recommending the lending that we undertake as a Bank, contributing to loan growth in the business and the ongoing management of the Bank's loan portfolio.
The analysis will involve examining the financial performance, cashflow and security, as well as taking into consideration the relationship, account conduct, client character and market trends. Once the analysis is completed, you will be responsible for writing the submission towards lending approval.
Responsibilities;
Partner with relationship managers to create a trusted advisor relationship between the bank and client. This will include :
- Attending client meetings jointly with the Relationship Manager.
- Developing understanding of clients businesses.
- Providing clients with feedback on their financial performance.
- Assisting in needs assessment and identification of future business opportunities.
To produce timely and accurate credit papers that assess counterparty risk (annual reviews, increase lending, and new to bank lending). This includes:
- Analysis of qualitative quantitative information.
- Identifying mitigating risk via appropriate loan structuring and conditioning.
- Liaising with credit signatories to resolve queries.
Success in this role;
You will have strong interpersonal skills with the ability to positively manage client and internal relationships;
- The ability to analyse and understand complex business structures;
- Be able to see the 'big picture' and have a commercial approach;
- Have a high level of initiative and self motivation.
- Previous experience in a commercial lending role, relevant tertiary qualifications highly regarded.
This is a unique opportunity to be part of a high performing team that supports its staff, promotes innovation and provides new opportunities for professional growth and career development.
About BFS;
Banking and Financial Services Group (BFS) is the primary relationship manager for Macquarie's retail client base in Australia, New Zealand, Asia, North America and Europe. Products and services include wealth management, stockbroking and retail lending and banking solutions such as residential and commercial mortgages, investment lending, personal loans, credit cards and relationship banking to businesses and professionals.
LI- ZP1*
Advertised:
7 Jun 2013 Aus. Eastern Standard Time
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