Senior Manger GCS RAB

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

Job summary

Commonwealth Bank is seeking a Senior Manager, Group Credit Structuring (Regional & Agribusiness) to lead complex credit strategies for regional and agribusiness clients. You will apply credit, commercial acumen and agribusiness knowledge within a supportive specialist team.

You will lead a direct report, conduct robust financial analysis, and develop strategies spanning rehabilitation, turnaround, restructuring and exit when appropriate. Strong negotiation and communication skills are essential.

Qualifications

• Experience leading credit structuring for regional or agribusiness customers.
• Strong ability to analyse financials and assess risk in complex cases.
• Proven ability to communicate clearly and lead teams.

Responsibilities

• Lead and develop at least one direct report.
• Conduct robust financial and credit analysis to identify options.
• Develop and execute strategies spanning rehabilitation, turnaround, restructuring and exit where needed.
• Lead sensitive negotiations with customers and stakeholders.
• Own strategies from decision to execution and ensure compliance.

Skills

Credit analysis

Leadership

Negotiation

Agribusiness knowledge

Financial modelling

Communication

Job description

Senior Manager, Group Credit Structuring (Regional & Agribusiness)

• Lead complex customer strategies from assessment through to outcome, applying credit, commercial and agribusiness expertise.
• Build advanced structuring, negotiation and problem-solving skills within a supportive specialist team.
• Make a genuine difference for customers and communities while managing risk soundly.

Do Work That Matters

Our Group Credit Structuring (GCS) team supports Regional & Agribusiness (RAB) customers whose commercial facilities originate through RAB Banking. We help customers work through financial difficulty and restructuring, overseeing credit monitoring, policy implementation and operational risk, attending Watchlist meetings and Farm Debt Mediations, and delivering training and Lessons Learnt sessions to Risk teams and business bankers. It's a team that values diverse thinking, constructive challenge and shared expertise, and encourages you to speak up, learn and contribute to better outcomes for customers, communities and the Bank.

See yourself in our team

As a Senior Manager in Group Credit Structuring, you'll work directly with regional commercial and agribusiness customers in financial difficulty, understanding what has changed, assessing their financial and commercial position and determining the right path forward. This role also carries people‑leadership responsibilities, with at least one direct report to guide, develop and support. No two situations are the same, so you'll draw on credit expertise, financial analysis and commercial judgement to solve complex, evolving problems. You'll balance customer outcomes with the Bank's credit, commercial, regulatory and compliance requirements, and you won't just recommend a course of action, you'll own it end to end.

• Lead and develop at least one direct report, building capability and strengthening team culture.
• Engage with customers in financial difficulty with care and consideration.
• Conduct robust financial and credit analysis to identify realistic options.
• Develop and execute strategies spanning rehabilitation, turnaround, restructuring and, where appropriate, insolvency or exit.
• Lead sensitive and challenging negotiations with customers and stakeholders.
• Own strategies from decision to execution, adapting as circumstances change.
• Balance customer outcomes with credit risk, commercial, regulatory and compliance obligations.
• Provide credit monitoring, reporting, policy implementation and guidance to Risk teams and business partners.

We're interested in hearing from people who:

• Bring business, commercial or agribusiness credit experience, with agribusiness exposure highly regarded.
• Apply advanced financial analysis and credit assessment skills to make sound risk decisions in complex situations.
• Communicate clearly and confidently, explaining complex issues in writing and in person.
• Take an empathetic, supportive approach to customers, with the courage to be firm, fair and pragmatic.
• Bring sound knowledge of lending products, strategies and policies, and an understanding of banking and finance legislation.
• Build trusted relationships and engage, influence and constructively challenge stakeholders.
• Bring experience leading or developing others, or the readiness to take on people‑leadership responsibilities.
• Show tenacity and adaptability, willing to challenge assumptions, explore options and see complex matters through.

Working with us:

At CommBank, we're committed to creating an accessible, inclusive and respectful workplace. If you require support or adjustments, please let us know. We welcome applications from people of all backgrounds and we're particularly committed to making a positive difference for Aboriginal and/or Torres Strait Islander Peoples. For support please contact 1800 989 696.

If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We’re keen to support you with the next step in your career.

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Advertising End Date: 17/11/2026