Manager, Credit Approvals

Rabobank; Sydney; Hybrid; AUD 160,000 - 210,000; Full time

Benefits offered by this job

Hybrid work model

Wellbeing leave

Education assistance

Parental leave

Extra annual leave

Insurance (Death, TPD, Income)

Job summary

Rabobank Australia is seeking a Manager, Credit Approvals to lead and assess rural credit proposals and loan requests within delegated authority. You will collaborate with frontline Rural Banking teams to provide expert credit guidance aligned to Rabobank's policy and risk appetite.

The role emphasizes credit assessment, decision-making within authority limits, and ensuring timely, high-quality submissions while monitoring portfolio risk and contributing to policy enhancements.

Qualifications

• Tertiary qualifications in Agriculture, Accounting, Economics, Finance, Agribusiness, or a related discipline.
• Experience in rural lending in a similar position.
• Strong banking experience with exposure to rural and commercial lending.
• Proven credit assessment and decision‑making experience within a delegated authority framework.
• Strong credit analysis and commercial lending skills.
• Ability to interpret financial statements, cash flows, balance sheets, and valuations.
• Sound understanding of agricultural industries and rural production systems.
• Proven capability in credit writing and presenting complex lending proposals.

Responsibilities

• Assess and approve rural lending applications within delegated authority.
• Review new lending requests, increased facilities, annual reviews, excesses, and loan variations.
• Provide guidance to Relationship Managers and Rural Banking teams on credit submissions and account strategies.
• Support and influence stakeholders to enhance the quality and effectiveness of credit applications.
• Prepare recommendations for higher delegated authorities where required.
• Ensure timely turnaround of applications in accordance with service level agreements.
• Monitor and manage portfolio risks, identifying deteriorating trends and emerging risks.
• Contribute to the development and enhancement of credit policies, procedures, and lending practices.
• Support strong risk governance and portfolio management outcomes across the Country Banking business.

Skills

Credit assessment

Credit analysis

Lending

Rural lending

Delegated authority

Financial statement analysis

Education

Agriculture

Accounting

Economics

Finance

Agribusiness

Job description

Job Title
Manager, Credit Approvals
Job Description

At Rabobank, our commitment to our employees and clients is at the heart of everything we do.

As the world’s leading specialist in food and agribusiness banking, one of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long‑term value for clients.

Our culture is unique, because every day our people work knowing that we are all playing our part in supporting our farmers to feed the world. We strive to create an open, balanced, and flexible workplace where people feel that they belong, can be open and honest and are supported…we are focused on growing each other.

About the role:

Reporting to the Credit Risk leadership team, you willbe responsible forthe approval and assessment of rural credit proposals and loan requests within delegated authority. Working closely with frontline Rural Banking teams,you'llprovideexpert credit guidance while ensuring lending decisions align with Rabobank's risk appetite, credit policy, and customer-focused approach.

Some of the key responsibilities include:

• Assess and approve rural lending applications within delegated authority.
• Review new lending requests, increased facilities, annual reviews, excesses, and loan variations.
• Provide guidance to Relationship Managers and Rural Banking teams on credit submissions and account strategies.
• Support and influence stakeholders to enhance the quality and effectiveness of credit applications.
• Prepare recommendations for higher delegated authorities whererequired.
• Ensuretimelyturnaround of applicationsin accordance withservice level agreements.
• Monitor and manage portfolio risks,identifyingdeteriorating trends and emerging risks.
• Contribute to the development and enhancement of credit policies, procedures, and lending practices.
• Support strong risk governance and portfolio management outcomes across the Country Banking business.

To be successful in the role you will have:

• Tertiary qualifications in Agriculture, Accounting, Economics, Finance, Agribusiness, or a related discipline.
• Experience in rural lendingin a similar position.
• Strong banking experience with exposure to rural and commercial lending.
• Proven credit assessment and decision‑making experience within a delegated authority framework.
• Strong credit analysis and commercial lending skills.
• Ability to interpret financial statements, cash flows, balance sheets, and valuations.
• Sound understanding of agricultural industries and rural production systems.
• Proven capability in credit writing and presenting complex lending proposals.

Whatwe'reproud to offer you:

Rabo@Anywhere

is our hybrid way of working at Rabobank and for Australia, that means we have a blend of time working between the office and home.

Wellbeing leave

. These leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives.

Education Assistance Program

. Rabobank values the development of its people and has a great Education Assistance Program toassistwith professional development.

Parental Leave

that supports you and your family while giving you the freedom and flexibility to enjoy this special time (up-to 14 weeks paid leave)

Bonusand AdditionalLeave

. We realise sometimes 4 weeks Annual Leaveisn'tenough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave andan optiontopurchaseanother 2 weeks Annual Leave.

Extra Insurance

. Rabobank recognises that employees need to protect their financial wellbeing,in the event ofserious illness, injury, or even death. Rabobank provides eligible permanent employees with employer‑funded Death, TPD and Income Protection Insurance.

Rabo Workplace Giving program

. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.

Our Values

Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, “Client Driven”,“Responsible”,“Professional” and “Cooperative” make ita great placeto work. We welcome applicants from diverse backgrounds.

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.

Rabobank is not accepting submissions from recruitmentagenciesfor this role.

Applicants must hold valid work rights for this role.