About Us
At ANZ, we shape a world where people and communities thrive.
Our goal is to improve the financial wellbeing and sustainability of our customers.
Our Institutional bank helps large clients move trade and capital around the region,
providing our team with great opportunities to build their technical expertise and careers.
About the Role
The Senior Associate, Research & Analysis role works directly with the Client, Credit Risk Executive and Relationship Management team
to complete the broader credit assessment function and ensure an optimal portfolio.
You will be responsible for managing a portfolio of Corporate Banking clients in the Hospitality and Specialty Retail industries.
This involves identifying and managing risks inherent in the client's business model, industry, capital & management structure, and historical & forecast financial performance.
Client interaction relating to transaction execution and day-to-day account management is core to the position.
Banking is changing, giving our team great opportunities to try new things, learn and grow.
Key Responsibilities
* Sound credit assessment including client performance evaluation, business model risk evaluation & mitigation strategies and proactive account management
* Preparing quality credit memorandums
* Development of credit strategy for organic growth opportunities, new-to-bank transactions and/or deteriorating credit profiles including deal structuring and execution.
* Conducting financial modelling & analysis in tandem with client & industry research
* Risk grade event management
* Liaise with clients and Credit Risk executives on risk and financial performance related matters, including covenant compliance and risk grade review events
* Liaise with Product Partners to implement customer solutions
* Exercising CAD (when appropriate) and lending decisions
* Deal documentation
* Portfolio controls
* Mentoring and coaching team members
You will be directly supported by the Associate Director and Director (Research & Analysis) to support your learning and development.
What We're Looking For
To succeed in this role, you will ideally bring:
* Demonstrated financial analysis skills going beyond traditional accounting-based analysis to provide deep industry insight
* Sound credit skills with the ability to identify key business drivers and mitigate key risks
* End-to-end deal execution across a diverse range of credit transactions
* Knowledge and application of credit policy and risk appetite frameworks
* Knowledge of Institutional Banking products and services
* Experience in customer management and broad knowledge of banking processes and procedures
* Tertiary qualifications, preferably in Commerce, Business, Accounting or Economics
* Sound communication, interpersonal and negotiating skills
A growth mindset is at the heart of our culture, so if you have most of these skills, we'd love to hear from you.
Why Join Us?
From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.
You'll feel it too.
Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.
We're a diverse bunch at ANZ, doing different roles, locations, and things.
That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'.
We also provide a range of benefits, including access to health and wellbeing services and discounts on selected products and services from ANZ.
At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated.
We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself.