Senior Analyst Credit Risk at Cuscal

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

16 Mar, 26

Salary

0.0

Posted On

16 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Management, Credit Analysis, Financial Institutions, Corporate Exposures, Credit Submissions, Stakeholder Relationship Management, APRA Prudential Standards, Lending Practices, Credit Scoring Models, Loan Security Documentation, Financial Reporting, Communication Skills, Problem Solving, Attention To Detail, Monitoring Counterparties, Policy Improvement

Industry

Financial Services

Description

Company Description Empower Australia’s Payments Future with Cuscal At Cuscal, your skills drive change and make a real impact. Whether you’re supporting our clients’ customers in our Fraud Operations Contact Centre or delivering innovative solutions in Product Delivery, your contribution helps shape the payments industry’s future. Join a team that values collaboration, innovation and excellence. With a focus on professional growth and flexibility, Cuscal is where you can thrive. Forward with Cuscal. Job Description 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 corporates Sound understanding of credit analysis techniques and a good understanding of credit scoring models Good general knowledge of the APRA prudential standards, particularly those applicable to ADIs Familiarity with lending practices and products Good understanding of ratings agencies Familiarity 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 Additional Information Why Cuscal? At Cuscal, you’ll find a strong, successful company that’s reimagining the future. And our team is right there at the heart of it all. Here, you’ll deliver or support interesting, ground-breaking work that has real impact - on Australia’s financial services sector and the millions of customers it serves. You’ll innovate alongside skilled, smart, connected teams. And you’ll build an impressive, fulfilling career that continues to grow. You’ll also enjoy a range of benefits, including: Recognition and growth: Celebrate achievements through IGNITE and grow with tailored development opportunities. Wellbeing focus: Access initiatives supporting physical, mental, and financial health, plus discounts via ‘Cuscal Advantage.’ Diversity and inclusion: Join a workplace that values different perspectives and flexible work arrangements. Join us and reimagine the future Ready to make an impact? Click APPLY to join today. If you’re excited about this opportunity, we’d love to explore how you can contribute to our vision for the future. Screening and interviews may occur before the job ad closing date, so don’t wait - apply now. Cuscal is an equal opportunity employer committed to an equitable, diverse, and socially inclusive work environment and a positive, barrier-free recruitment process. We welcome applicants from an Aboriginal and Torres Strait Islander heritage, people living with a disability, LGBTQIA+ and people from culturally diverse backgrounds to explore career opportunities with Cuscal. Note: Cuscal does not accept unsolicited resumes from recruitment agencies or search firms.

Responsibilities

The Senior Analyst, Credit Risk is responsible for managing Cuscal’s credit risk on a portfolio of counterparty exposures and preparing applications for approval. This includes ongoing monitoring of counterparties' credit worthiness and assisting in the preparation of reports for submission to relevant committees.