Senior Credit Risk Leader - Private Banking

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

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.