Credit Portfolio Analyst

seek.com.au; Sydney; On-site; AUD 90,000 - 130,000; Full time

Job summary

Seek, a prominent growth brand in Sydney CBD, seeks a Credit Portfolio Analyst to develop and maintain credit risk reporting, policy and procedures in line with APRA guidance. You will perform portfolio analysis, build risk models, and support credit reviews with management and stakeholders.

Ideal candidates have 2+ years in banking or finance, strong analytical skills, knowledge of Australian banking standards, and MS Office proficiency.

Qualifications

• Strong financial and analytical capabilities with risk focus.
• Experience analyzing credit portfolio risk and reporting.
• Familiarity with Australian banking standards and APRA/ASIC guidance.

Responsibilities

• Conduct credit portfolio analysis and generate reports for management and committees.
• Develop and review credit risk models and policy in line with regulations.
• Oversee daily credit system processing and maintain credit procedures.

Skills

Financial analysis

Analytical skills

English proficiency

Mandarin proficiency

Communication skills

Risk reporting

Education

Tertiary qualifications in commercial discipline

Tools

MS Office

GCMS

Internal risk models

Job description

Prominent growth brand - Sydney CBD

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

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

Key duties will include:

Overall credit portfolio management and generate routine reports to branch management, APRA and Head Office as well as Credit Portfolio Sub Committee.

Develop credit risk models and review and update credit policy in accordance with external and internal regulations.

Daily credit system processing operation and maintenance.

Credit management relevant tasks, such as updating credit manual, research work, presentations and statistic report preparation for external reviews etc.

Your responsibilities will include but not limited to:

Conduct credit portfolio analysis based on the in-house data on a regular basis, and provide credit portfolio report to management.

Handle in depth analysis in relation to credit management to provide guidance on the business development, such as industry analysis, stress testing, etc.

Liaising with other departments to review and verify Loan classification, undrawn commitment, and loan maturity. Investigate and report any irregularities and overdue.

Administrate the in-house credit system to ensure daily operations in line with credit procedure and authorization.

Post-disbursement management of all credit exposures.

On-going development and review of credit risk management framework and credit policy in accordance with external and internal policies and regulations.

Review of credit procedure from risk perspective.

Assist to development of credit policy and procedure for new credit products.

Participate to develop and review of credit rating, economic capital measurement, credit pricing model and other credit management models.

Research on the regulations introduced by APRA, ASIC and other authorities in terms of credit risk management.

Provision of regular credit training program for staff in the bank.

Familiar and effective maintain with internal system include but not limited to GCMS, all forms of internal models.

A minimum of 2 years with experience in local bank or financial institution.

Credit Portfolio, credit assessment, or Credit Management experience is highly recommended.

Tertiary qualifications majoring in an appropriate commercial discipline

Excellent financial and analytical skills.

Well-developed knowledge of Australian Banking standards.

Proficient written and oral communication skills in English and Mandarin at all levels will add advantages.

Good/professional skill to handle MS Office is essential.

In return Employer of choice can provide your career within ongoing technical & personal development coupled with a highly collaborative work environment in which to add value.