Senior Analyst Credit Risk

We are looking for a Senior Analyst, Credit Risk to join our Financial Risk team on a 12-month maximum term contract, to support in the strategic reporting of Financial Risks. The Senior Analyst, Credit Risk is responsible for: The management of Cuscal’s credit risk on a portfolio of counterparty exposures. This includes the preparation and process of applications from (potential) borrowers/counter parties for approval, by carrying out necessary credit, liquidity and other assessments in line with the documented procedures.  To aid in the management of Cuscal’s credit and treasury risk in accordance with prudential standards and Board policy to minimise the potential for loss. You’ll also make an impact by: Management of credit risk on a selected portfolio of ADIs and Corporate exposures.  Preparation and processing of detailed credit submissions for all committed and uncommitted facility applications and annual reviews on designated counterparties for approval by delegated authorities in accordance with Cuscal’s policies. Ongoing monitoring of counterparties' credit worthiness and their latest development via all available means such as periodic financial updates and covenant, limit excess or watch list reporting.  Provision of timely credit decisions for all permanent and transactional credit requests as per delegated authorities. Where applicable, meet with new and prospective clients for credit risk related matters. Maintain complete and accurate counterparty records in all risk management system and database on the designated portfolio. Assist in the preparation of reports for submission to ALCO and the Board Risk Committee and any other committees as required. Assist the ongoing improvement to existing credit risk related policies and procedures and their implementation.  Provide insights with the ongoing improvement to existing credit risk related policies and procedures and their implementation.  What you’ll bring You’ve got the ability to think critically and to solve complex problems. You’ve got excellent communication and an eye for detail. You thrive in a fast-paced environment and are keen to contribute to a dynamic team.To succeed in this role, you’ll have: 2+ years credit experience covering financial institutions and corporatesSound understanding of credit analysis techniques and a good understanding of credit scoring modelsGood general knowledge of the APRA prudential standards, particularly those applicable to ADIs Familiarity with lending practices and products Good understanding of ratings agenciesFamiliarity with loan security documentation Sound ability to read and understand balance sheets, profit & loss, cash flow statements and other financial reports. Effective communication skills and strong stakeholder relationship management