Job Title:
Business Lending Credit Risk Analyst
About Business Bank (BB)
Business Bank (BB) offers a wide range of services and solutions to small to medium-enterprise customers, regional customers, and agribusiness customers.
Key Responsibilities:
* Develop analytical credit risk metrics and settings for judgmental credit decisioning, leveraging technology-based tools and data to monitor, measure, and manage credit risk exposures.
* Develop, manage, and monitor credit risk management processes consistent with Risk Management Frameworks and industry best practice.
* Identify areas for improvement and optimisation of credit risk.
* Implement credit risk management projects to better manage, measure, and monitor credit risks.
* Provide insights and analysis to business unit partners and senior management on credit related issues. Provide practical recommendations to ensure credit risks are appropriately managed, measured, and monitored.
* Work proactively with credit risk data and collections specialists to ensure we have the right data to drive origination activities, inform credit risk settings, and manage any downside risks.
* Monitor risk management policies, methodologies, procedures, limits, and guidelines.
* Assist in the preparation and presentation of relevant reports for stakeholders.
Requirements:
* Degree in Economics, Commerce, Business, Statistics, Maths, Actuarial, Finance, Engineering, or Sciences.
* Experience in frontline banking, credit decisioning, policy or process development or improvement.
* Sound understanding of end-to-end credit management.
* Strong Analytics discipline within Banking and Finance with Credit Risk experience.
* Strong stakeholder engagement and ability to lead and influence.
* Ability to understand complex problems and take a structured approach using data-driven insights to develop insights, reporting, and recommendations.
* Exceptional written and verbal communication, including authoring of papers for senior management committees.
* Experience in R, Python, SAS, and SQL valued.
* Working knowledge of regulatory compliance and its impacts on policy, process, and systems highly regarded.
* Risk Mindset: All CommBank employees expected to proactively identify and understand, openly discuss, and act on current and future risks.
About Us:
The Commonwealth Bank Group (including Bankwest and x15ventures) is keen to support you with the next step in your career. If you're already part of the group, please apply through Sidekick to submit a valid application.