Senior Manager, Group Credit Structuring (RAB)

About the role

The Group Credit Structuring (GCS) team supports Regional & Agribusiness (RAB) customers whose commercial facilities come through RAB Banking. As Senior Manager, you will lead complex customer strategies from assessment through to outcome, working with customers in financial difficulty and restructuring. The role includes people leadership, with at least one direct report to guide and develop.

Key responsibilities

• Assess customers' financial and commercial positions and determine the right path forward
• Develop and execute strategies covering rehabilitation, turnaround, restructuring and, where appropriate, insolvency or exit
• Lead sensitive negotiations with customers and stakeholders
• Own strategies from decision to execution, adapting as circumstances change
• Balance customer outcomes with credit risk, commercial, regulatory and compliance obligations
• Provide credit monitoring, reporting, policy implementation and guidance to Risk teams and business partners
• Deliver training and Lessons Learnt sessions to Risk teams and business bankers
• Attend Watchlist meetings and Farm Debt Mediations

Required profile

• Business, commercial or agribusiness credit experience (agribusiness exposure highly regarded)
• Experience leading or developing others, or readiness to take on people leadership
• Ability to build trusted relationships and influence stakeholders
• Empathetic, supportive approach to customers, with the courage to be firm, fair and pragmatic

Required skills

• Advanced financial analysis and credit assessment
• Sound knowledge of lending products, strategies and policies
• Understanding of banking and finance legislation
• Clear communication in writing and in person