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SalaryAs the Credit Risk Policy Analyst you'll be responsible for maintaining, monitoring, and enhancing the Credit Risk Policy framework for retail lending by understanding and assessing business requirements, performance, and activities in a dynamic industry, economic, and regulatory environment. Additionally, identifying and recommending changes to the Credit Manual (specific to retail lending) and associated documents to improve risk management and support sustainable business growth.
The role also involves overseeing and challenging the application of Credit Policy through close monitoring and reporting on retail lending exceptions, offering insights, and making recommendations based on analysis.
What you'll do
- Manage the retail lending Credit Risk Policies (and associated frameworks and documents) to ensure they are aligned with risk appetite, supportive of sustainable business growth and meet regulatory & legal requirements
- Provide input into the manage the retail lending authorities frameworks (including Delegated Credit Authorities) to ensure they are appropriately aligned to policies and risk appetite
- Support to embed a heightened risk culture across all parts of Suncorp Bank so that risk becomes a part of what we do at all times
- Oversight and challenge the level and nature of retail lending exceptions approved by Home Lending Credit to ensure they are aligned to risk appetite
- Lead and develop the capability of others through effective coaching, mentoring, professional development and performance management
- Support the building of a culture/philosophy of learning and collaboration across all teams
- Tertiary qualification in a finance related discipline is highly desired
- Management/Leadership experience in either a retail credit policy area or retail lending risk oversight role
- Experience in a bank that has been accredited as an advanced bank would be an advantage
- Strong credit skills with detailed understanding of retail lending parameters including an ability to assess fundamental inherent risks in a wide range of relevant industries
- An understanding of Prudential Standards that apply to the management of Credit Risk within a bank is also required
- Able to develop and maintain an appropriate level of knowledge on key regional industries/ geographic issues, emerging trends and market opportunities
- Strong verbal and written communication skills
