IBA Level 5 ($103,843 - $115,131)
Location: Perth
About IBA
Indigenous Business Australia partners and invests with Aboriginal and Torres Strait Islander people who want to own their future. We go further than provide money; we invest in people, places and ideas that are ready. We help make them real. We're deeply invested in the financial success and economic independence of Indigenous Australians. It's why we exist.
We provide a range of services for Indigenous Australians to create wealth and accumulate assets, take up investment opportunities, create business enterprises that provide additional employment opportunities, and to purchase homes. We achieve these outcomes by applying a commercial focus, and by building mutually respectful and productive partnerships with Indigenous Australians, government, non-government and private sector organisations.
Our staff are invested, informed, responsive, respectful and connected.
About the Team
Through the Business IBA helps Aboriginal and Torres Strait Islander peoples to start, acquire and grow commercially viable businesses by providing pre-business guidance, business finance, business development and business support at all stages of the business life cycle.
The Relationship Management Team oversees IBA's business customer loan portfolio.
About the Role
The Relationship Manager reports to the Team Leader and manages a portfolio of business loans of small to medium sized businesses. This is done in accordance with IBA policy and procedure and with particular emphasis on monitoring and supporting business performance, identifying, and supporting business growth strategies and credit risk management activities.
Duties
Under limited supervision manage a portfolio of customers, who are operating small to medium size businesses (and their loans) within IBA policy and procedures.
Customer engagement and relationship building to fully understand the businesses' performance. Identify areas for business improvement and possible growth opportunities. Support the development of customer business acumen.
Identify business risk early and assist IBA in the development and implementation of strategies and solutions to manage the risk.
Collect and analyse financial statements, reports and other information (as required). Accurately capture, manage and report information.
Management of arrears, non-performing loans, turnaround and voluntary exit processes.
Track customer performance and revise risk management plans, conducting business reviews and customer visits as required.
Co-ordinate the loan documentation and drawdown processes and ensure customers are supported throughout.
Co-ordinate and prepare briefings, reports and submissions required by senior management and prepare correspondence of a complex nature.
Exercise Delegations in accordance with IBA policy and procedure.
Other duties as required.
Required capabilities
These are essential unless otherwise indicated.
Knowledge
Displays Aboriginal and Torres Strait Islander cultural capability:
awareness and understanding of Aboriginal and Torres Strait Islander societies and culture as well as the demonstrated ability to liaise, communicate and negotiate sensitively and effectively with Indigenous individuals and communities;
awareness and understanding of Australian Indigenous issues particularly as they relate to small business.
Tertiary qualifications in accounting, business or commerce or at least 5 years' experience in small business, accounting, banking, finance, insolvency or debt recovery is desirable.
Attributes
Significant level of personal drive and integrity including:
professionalism and probity.
engaging with risk and showing personal courage.
commitment to action.
promoting and adopting a positive & balanced approach to work.
self-awareness and commitment to personal development.
Skills and Experience
In the small to medium size business sector, a high standard of portfolio management and customer focus, displaying a commitment to quality customer service and to the customer being at the centre of everything.
High level of business acumen, knowledge and understanding of business concepts/operations/management relating to both small and medium size businesses, business development, financial analysis and commercial lending and the ability to discuss business needs, risks, formulation of strategies and implementation of solutions with customers and delegates.
Significant ability to negotiate confidently and communicate with influence, clarity and ability to understand and adapt to an audience.
Extensive knowledge of legal concepts together with a strong working understanding of commercial transactions, securities and litigation processes.
Results focused and effective as a team member and more broadly across an organisation and under limited supervision and direction.
Proficiency in Microsoft suite of products - primarily Word, Excel and Outlook.
Prerequisite requirements
Current driver's licence.
Willingness and ability to undertake regional and remote travel as required, including overnight absences at least once each month.
Reference documentation
About Us – Our Values
About Us – Working at IBA
About Us – News and Publications – Annual Reports
Further enquiries: Michael Lee on or
Applications
Resume
One page pitch
We are committed to building a diverse and inclusive workforce. In line with our Indigenous Employment Strategy, we encourage applications from Aboriginal and Torres Strait Islander people. Selection is based on merit. Aboriginal and Torres Strait Islander applicants may be prioritised where candidates are assessed as having equivalent merit.
Closing date: 1 February ****
Please note: Emailed applications will not be accepted, nor will applications from recruitment agencies.
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