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Credit Risk Specialist - Banking

Australian Prudential Regulation Authority

Job Description

  • Make a genuine impact on the Australian community and protect the resilience of the financial system .
  • Opportunity available in the Credit Risk team, where you will contribute to retail and non -retail credit risk assignments across the whole Banking industry.
  • Join a flexible and inclusive culture with support to diversify your finance career.

APRA's mandate is to protect the Australian Community by establishing and enforcing prudential standards and practices designed to ensure that, under all reasonable circumstances, financial promises made by institutions we supervise are met within a stable, efficient and competitive financial system.

To help us deliver on our mandate and strategic priorities, our Banking team is looking for highly talented individuals with experience in Institutional/Investment Banking and or Non-Retail Credit Risk to join us in a critical area of the division.

As a risk specialist in the Credit Risk team, you will work with internal and external stakeholders and will provide premium advice on credit risk and associated issues in order to support APRA's activities and objective of providing a prudentially sound financial system. You will work within a team of Credit Specialists performing assignments across all of APRA's supervised banking entities.
About the role

The responsibilities include:

  • Leading and participating in credit reviews. Coordinating and supporting team members delivering in-depth analysis, risk assessment, and problem solving.
  • Leading project and other ad hoc initiatives leveraging an aptitude in critical thinking and innovation.
  • Maintaining effective working relationships, demonstrating strong communication skills
  • Maintaining and enhancing up to date and relevant knowledge of issues impacting credit risk profiles within regulated institutions and within the Australian financial system.
  • Identification of emerging risks and prioritisation of existing risks ensuring adequate coverage providing sound assurance as to the resilience of the financial system


APRA offers unprecedented exposure to the Financial Services industry. You will work amongst a team of highly skilled credit specialists, to positively influence industry best practice and the stability of the Australian financial system. Within this environment, you will have the opportunity to contribute your analytical expertise, as well as expanding your current skill set.

To be successful you will ideally have a Credit Risk background in credit decisioning and/or assurance roles in Institutional / Investment Banking. You will have good knowledge of all typical financial products offered strong analytical, organisational and negotiation skills and the ability to liaise with stakeholders at all levels of business.

You will have very well-developed written and verbal communication skills for advising internal clients, explaining procedure, determining requirements and an ability to translate technical concepts for a broad audience. Your business writing should be sharp and succinct, evidencing your ability to assess a wide variety of information sources to distil key issues. You will also possess a keen eye for detail and priority management skills. You will have a positive mindset and an energetic approach to problem solving with a willingness to offer new ideas and a fresh perspective. A strong understanding of banking related risk management practices will be highly regarded. Qualifications in a finance-related discipline are essential.