Senior Manager Business Credit
BOQ Group
Date: 2 weeks ago
City: Brisbane, Queensland
Contract type: Full time
About The Role
Are you passionate about credit risk management and looking for a pivotal role that contributes to business objectives and overall strategy? We have an exciting opportunity for you!
As a key player in our team, your primary purpose will be to analyse, assess, structure, and make decisions on BOQ Business SME and Middle Market Commercial submissions. You will exercise an appropriate Delegated Approval Authority (DAA) or present the submission to the appropriate DAA holder.
Your additional responsibilities will include:
About You
We are looking for someone with a sound background in all aspects of credit risk and a strong customer focus, both internal and external. You should have exercised credit approval authority in a major financial institution and possess the ability to read, understand, and analyse financial statements and corporate structures.
The ideal candidate will have the ability to consider and integrate a broad range of factors in structuring and decisioning proposals, including general creditworthiness, risk identification and mitigation, cash flow adequacy, repayment capacity, and property valuation principles. A strong understanding and application of bank policies is essential. You should also have highly developed communication and consultation skills at all levels of the organisation, with a proven ability to write effective reports, address meetings, and facilitate group discussions.
Empathetic interpersonal skills and a professional, balanced approach are crucial for this role. You should be able to manage and prioritise workflows independently and have a solid understanding of key business drivers and success factors in business.
Knowledge of relevant legislation, including but not limited to the Anti-Money Laundering and Counter-Terrorism Financing Act, National Consumer Credit Protection Act, Bankruptcy Act, Privacy Act, Property Law Act, Corporations Act, Environmental Protection Act, Australian Competition and Consumer Act, Banking Act, and Trade Practices Act, is also required.
If you are a committed and enthusiastic team contributor who exemplifies the BOQ Group values of Spirited, Optimistic, Curious, Inclusive, Accountable, and Lionhearted, we would love to hear from you! Join us in building social capital through banking and ensuring our organisation excels, complies with laws and regulations, and upholds its reputation.
About Us
BOQ Group is a truly unique group of challenger brands with a purpose – to provide a genuine alternative to Australian financial services for customers and employees.
Our family of brands (Bank of Queensland (BOQ), ME Bank, Virgin Money Australia, BOQ Specialist), each come with their own defined customer audience and brand personality, but share one goal – to build social capital through banking. That’s creating trust with customers, exploring staff potential and believing that tiny gestures and big ideas can change the world for communities.
BOQ Group’s inclusive vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve.
Since 2021, BOQ Group is recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency (WGEA).
In 2023, we successfully implemented an innovative Reconciliation Plan, driving positive change and promoting inclusivity across BOQ Group.
Our Benefits
At BOQ Group, we are passionate about creating an exceptional work environment that nurtures both your professional and personal growth. Our comprehensive benefits package is designed to enhance your well-being, provide financial security, and foster a sense of community and inclusion. Here are just some of the fantastic perks you can enjoy as part of our team:
How To Apply
To apply for this role at #boqgroup #grouprisk, follow the links or apply via our Careers Page.
BOQ Group is committed to diversity and an inclusive workforce. Aboriginal and Torres Strait Islander People are encouraged to apply.
We celebrate, value and include people of all backgrounds, gender and expressions, sexualities, cultures, bodies and abilities. When you apply, you are welcome to tell us the pronouns you use and please let us know any reasonable adjustments you may need during the interview process.
If you are successful for a role with BOQ Group, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.
Please no agency applications.
Are you passionate about credit risk management and looking for a pivotal role that contributes to business objectives and overall strategy? We have an exciting opportunity for you!
As a key player in our team, your primary purpose will be to analyse, assess, structure, and make decisions on BOQ Business SME and Middle Market Commercial submissions. You will exercise an appropriate Delegated Approval Authority (DAA) or present the submission to the appropriate DAA holder.
Your additional responsibilities will include:
- Ensuring loan documentation reflects all approval conditions.
- Conducting periodic reviews to monitor and ensure the risk-rating is appropriate.
- Initiating and implementing remedial actions to keep the Bank's exposure within its risk appetite.
- Coaching and mentoring colleagues to promote a best-practice risk culture throughout the organisation.
About You
We are looking for someone with a sound background in all aspects of credit risk and a strong customer focus, both internal and external. You should have exercised credit approval authority in a major financial institution and possess the ability to read, understand, and analyse financial statements and corporate structures.
The ideal candidate will have the ability to consider and integrate a broad range of factors in structuring and decisioning proposals, including general creditworthiness, risk identification and mitigation, cash flow adequacy, repayment capacity, and property valuation principles. A strong understanding and application of bank policies is essential. You should also have highly developed communication and consultation skills at all levels of the organisation, with a proven ability to write effective reports, address meetings, and facilitate group discussions.
Empathetic interpersonal skills and a professional, balanced approach are crucial for this role. You should be able to manage and prioritise workflows independently and have a solid understanding of key business drivers and success factors in business.
Knowledge of relevant legislation, including but not limited to the Anti-Money Laundering and Counter-Terrorism Financing Act, National Consumer Credit Protection Act, Bankruptcy Act, Privacy Act, Property Law Act, Corporations Act, Environmental Protection Act, Australian Competition and Consumer Act, Banking Act, and Trade Practices Act, is also required.
If you are a committed and enthusiastic team contributor who exemplifies the BOQ Group values of Spirited, Optimistic, Curious, Inclusive, Accountable, and Lionhearted, we would love to hear from you! Join us in building social capital through banking and ensuring our organisation excels, complies with laws and regulations, and upholds its reputation.
About Us
BOQ Group is a truly unique group of challenger brands with a purpose – to provide a genuine alternative to Australian financial services for customers and employees.
Our family of brands (Bank of Queensland (BOQ), ME Bank, Virgin Money Australia, BOQ Specialist), each come with their own defined customer audience and brand personality, but share one goal – to build social capital through banking. That’s creating trust with customers, exploring staff potential and believing that tiny gestures and big ideas can change the world for communities.
BOQ Group’s inclusive vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve.
Since 2021, BOQ Group is recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency (WGEA).
In 2023, we successfully implemented an innovative Reconciliation Plan, driving positive change and promoting inclusivity across BOQ Group.
Our Benefits
At BOQ Group, we are passionate about creating an exceptional work environment that nurtures both your professional and personal growth. Our comprehensive benefits package is designed to enhance your well-being, provide financial security, and foster a sense of community and inclusion. Here are just some of the fantastic perks you can enjoy as part of our team:
- Flexible working arrangement - Balance your work and personal life with ease.
- Discounted financial products - Enjoy exclusive rates on our financial services across the Group.
- Salary sacrificing options - Maximise your take-home pay with our salary packaging options.
- Paid parental leave with no minimum requirements - Spend quality time with your new family member without any worries.
- Purchase additional annual leave - Need more time off? You can buy extra leave days.
- Discounted private health insurance plan - Take care of your health with our special rates.
- Employee Assistance Program (EAP) - Access confidential support for personal and professional challenges for you and your family
- Access to employee network groups - Connect with peers through our First Nations Reconciliation, LGBTQIA+, Multicultural, Gender, Early Careers, and accessibility groups.
- Pride in Diversity membership: We are proud members of Pride in Diversity and actively participate in the Australian Workplace Equality Index.
How To Apply
To apply for this role at #boqgroup #grouprisk, follow the links or apply via our Careers Page.
BOQ Group is committed to diversity and an inclusive workforce. Aboriginal and Torres Strait Islander People are encouraged to apply.
We celebrate, value and include people of all backgrounds, gender and expressions, sexualities, cultures, bodies and abilities. When you apply, you are welcome to tell us the pronouns you use and please let us know any reasonable adjustments you may need during the interview process.
If you are successful for a role with BOQ Group, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to: identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.
Please no agency applications.
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