Senior Credit Risk Executive

Commonwealth Bank; Sydney; On-site; AUD 180,000 - 240,000; Full time

Job summary

Commonwealth Bank seeks a Senior Credit Risk Executive for Private Bank Credit Risk to support sophisticated clients and complex lending structures. You will provide independent Line 2 credit risk oversight and decisioning, partnering with Private Bankers to balance customer outcomes with risk controls.

The role offers exposure to senior stakeholders, complex transactions and meaningful credit policy guidance across Private, Business and Corporate Banking environments.

Qualifications

• Significant credit risk experience gained within banking and financial services.
• Experience assessing complex lending transactions and large credit exposures.
• Strong exposure across Business/Corporate Banking and Private Banking credit environments.
• Advanced credit analysis, cash flow assessment and risk evaluation capability.
• Experience working with sophisticated customer structures and high-net-worth client segments.
• The confidence to exercise sound judgement and make balanced risk decisions.
• Strong stakeholder management skills and the ability to influence senior audiences.
• Exceptional written and verbal communication skills.
• A collaborative approach and a genuine passion for coaching and developing others.

Responsibilities

• Assess and approve complex credit transactions within delegated authority
• Provide recommendations on larger and more complex exposures to senior credit authorities
• Analyse sophisticated customer structures including companies, trusts, family groups and investment vehicles
• Assess lending across residential and commercial property, operating businesses and investment portfolios
• Identify underlying risks, structural weaknesses and downside scenarios within proposed transactions
• Provide independent and constructive Line 2 challenge while maintaining a commercial mindset
• Partner with Private Bankers and stakeholders to deliver balanced customer and risk outcomes
• Present and defend credit recommendations to senior risk forums and decision-makers
• Provide guidance on credit policy, risk appetite, servicing, security structures and risk mitigants
• Coach and support colleagues, helping build broader credit capability across the business

Skills

Credit risk

Lending risk

Cash flow analysis

Stakeholder management

Complex lending

Policy guidance

Job description

You are a trusted risk partner, passionate about delivering sound risk outcomes while enabling sustainable business growth. We are proud to support businesses across Australia by providing insightful, balanced and commercially pragmatic risk guidance. Together, we can leverage our expertise as a collaborative and adaptable team to make better decisions and build stronger futures.

Do work that matters

As a Senior Credit Risk Executive within Private Bank Credit Risk, you'll play a critical role supporting some of the Bank's most sophisticated clients and most complex transactions.

This is a unique opportunity to apply deep credit expertise across Private, Business and Corporate Banking environments, assessing complex lending structures and providing independent risk insight that helps our customers and business partners achieve sustainable outcomes.

You'll work on high-value transactions involving entrepreneurs, family groups, private businesses, trusts and investment entities, where strong judgement, commercial thinking and the ability to identify underlying credit risks are essential.

See yourself in our team

Private Bank Credit Risk partners closely with Private Bankers and key stakeholders across the Bank to provide independent Line 2 credit risk oversight and decisioning.

The team supports sophisticated customer groups whose lending requirements often extend beyond traditional retail or business banking boundaries, requiring balanced and commercially pragmatic risk management.

This is a critical role within the team, offering exposure to complex transactions, senior stakeholders and meaningful decision-making responsibility.

On any given day you will

• Assess and approve complex credit transactions within delegated authority
• Provide recommendations on larger and more complex exposures to senior credit authorities
• Analyse sophisticated customer structures including companies, trusts, family groups and investment vehicles
• Assess lending across residential and commercial property, operating businesses and investment portfolios
• Identify underlying risks, structural weaknesses and downside scenarios within proposed transactions
• Provide independent and constructive Line 2 challenge while maintaining a commercial mindset
• Partner with Private Bankers and stakeholders to deliver balanced customer and risk outcomes
• Present and defend credit recommendations to senior risk forums and decision-makers
• Provide guidance on credit policy, risk appetite, servicing, security structures and risk mitigants
• Coach and support colleagues, helping build broader credit capability across the business

We're interested in hearing from people who have

• Significant credit risk experience gained within banking and financial services
• Experience assessing complex lending transactions and large credit exposures
• Strong exposure across both Business/Corporate Banking and Retail or Private Banking credit environments
• Advanced credit analysis, cash flow assessment and risk evaluation capability
• Experience working with sophisticated customer structures and high-net-worth client segments
• The confidence to exercise sound judgement and make balanced risk decisions
• Strong stakeholder management skills and the ability to influence senior audiences
• Exceptional written and verbal communication skills
• A collaborative approach and a genuine passion for coaching and developing others

Working with us

Whether you're passionate about customer outcomes, risk excellence or helping businesses and individuals succeed, you'll be supported to grow your career while making a genuine impact.

We support flexible working and are open to considering candidates across Australian capital cities, with Sydney preferred.

If you're looking for a role where you can combine deep credit expertise, commercial judgement and meaningful influence, we'd love to hear from you.

If this sounds like you

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