Rabobank is the world’s leading specialist in food & agribusiness banking. One of our key strengths lies in our people who have a deep understanding of agriculture & are committed to adding long-term value for clients. Our commitment to our employees & clients is at the heart of everything we do.
About the role:
Rabobank’s Credit Risk Management team is an independent, proactive risk management team within Risk 2nd line of defence. Due to an internal movement, the team now has an opening for a Credit Approvals Manager supporting the VIC/TAS/WA Territory. This role can be based in locations across Rabobank offices (Victoria, Tasmania or Western Australia preferred).
As Credit Approvals Manager, you will oversee the credit granting process related to Rabobank’s Country Banking / rural lending business. This is a hands-on role with no direct reports. You will challenge the first line of defence & engage with Second / Third line colleagues proactively to maintain a high-quality portfolio by reducing credit & operational losses, ensuring risks (financial & non-financial) are properly identified & addressed, and that trends are recognized & acted upon.
Top Role Accountabilities:
Engage with the Country Banking business from loan origination to approval, ensuring risks are properly identified and transactions fit the risk appetite, acting as a decision maker with delegated authority.
Be fully accountable for decisions within your delegated authority and communicate decisions promptly.
Form independent opinions on risk acceptability, considering credit, structure, legal, tax, & commercial aspects to facilitate effective approval processes.
Collaborate with branch staff & management, providing guidance on content, structure, & account management strategies.
Detect changes in internal & external contexts, including risk criteria updates, requiring revision of risk treatments & priorities.
Manage credit account requirements, including excesses & overdue reviews, to ensure adequate control across the portfolio.
Contribute to the development of credit policies, procedures, and product development.
To be successful in the role, you will have:
A minimum of 5 years’ experience in a credit risk role.
Exposure to Rural/Agricultural or Middle Market Commercial sectors preferred.
Thorough understanding of Credit Risk Management within financial services & related regulations (ECB, APRA).
Ability to communicate outcomes & decisions confidently & empathetically.
Our Values
Rabobank Australia values inclusion, belonging, & positive experiences for all. Our work environment, benefits, & values—“Client Driven”, “Responsible”, “Professional”, & “Cooperative”—make it a great place to work. We welcome applicants from diverse backgrounds.
Please inform our Talent Acquisition team if you need accommodations to access our opportunities.
What we're proud to offer you:
Rabo@Anywhere: Our hybrid work model, blending office & home, with an average of 2 days/week in the office.
Wellbeing leave: 2 extra days to support work/life balance, promoting healthier, happier lives.
Education Assistance Program: Supports professional development through financial aid.
Parental Leave: Up to 14 weeks paid leave to support your family during this special time.
Bonus & Additional Leave: Extra week of annual leave & options to purchase more.
Extra Insurance: Employer-funded Death, TPD & Income Protection Insurance for eligible employees.
Rabo Workplace Giving: Matches employee donations to social partners as part of CSR.
Other Extras: Equipment/wardrobe allowance, flu shots, discounted health insurance, EAP, & more.
This is our standard application process, which may vary by role.
Application: Submit your application; you'll receive confirmation via email. We review all submissions and notify you of interview opportunities.
Interview: Participate in one or more online interviews to assess fit. You may be asked to complete an assignment or assessment.
Offer: If selected, you'll receive an offer. We conduct a legal screening before your start date.
Welcome: Join Rabobank! We look forward to working with you.
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