Manager, Credit Approvals

Job Title

Manager, Credit Approvals

Job Description

At Rabobank, our commitment to our employees and clients is at the heart of everything we do.

As the world’s leading specialist in food and agribusiness banking, one of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long-term value for clients.

Our culture is unique, because every day our people work knowing that we are all playing our part in supporting our farmers to feed the world. We strive to create an open, balanced, and flexible workplace where people feel that they belong, can be open and honest and are supported…we are focused on growing each other.

About the role:

Reporting to the Credit Risk leadership team, you will be responsible for the approval and assessment of rural credit proposals and loan requests within delegated authority. Working closely with frontline Rural Banking teams, you'll provide expert credit guidance while ensuring lending decisions align with Rabobank's risk appetite, credit policy, and customer-focused approach. 

Some of the key responsibilities include:

• Assess and approve rural lending applications within delegated authority. 

• Review new lending requests, increased facilities, annual reviews, excesses, and loan variations. 

• Provide guidance to Relationship Managers and Rural Banking teams on credit submissions and account strategies. 

• Support and influence stakeholders to enhance the quality and effectiveness of credit applications. 

• Prepare recommendations for higher delegated authorities where required. 

• Ensure timely turnaround of applications in accordance with service level agreements. 

• Monitor and manage portfolio risks, identifying deteriorating trends and emerging risks. 

• Contribute to the development and enhancement of credit policies, procedures, and lending practices. 

• Support strong risk governance and portfolio management outcomes across the Country Banking business. 

To be successful in the role you will have:

• Tertiary qualifications in Agriculture, Accounting, Economics, Finance, Agribusiness, or a related discipline. 

• Experience in rural lending in a similar position.  

• Strong banking experience with exposure to rural and commercial lending. 

• Proven credit assessment and decision-making experience within a delegated authority framework. 

• Strong credit analysis and commercial lending skills. 

• Ability to interpret financial statements, cash flows, balance sheets, and valuations. 

• Sound understanding of agricultural industries and rural production systems. 

• Proven capability in credit writing and presenting complex lending proposals. 

What we're proud to offer you: 

Rabo@Anywhere is our hybrid way of working at Rabobank and for Australia, that means we have a blend of time working between the office and home.  

Wellbeing leave. These leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives. 

Education Assistance Program. Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development. 

Parental Leave that supports you and your family while giving you the freedom and flexibility to enjoy this special time (up-to 14 weeks paid leave) 

Bonus and Additional Leave. We realise sometimes 4 weeks Annual Leave isn't enough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave and an option to purchase another 2 weeks Annual Leave. 

Extra Insurance. Rabobank recognises that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD and Income Protection Insurance. 

Rabo Workplace Giving program. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.

Our Values:

Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, “Client Driven”, “Responsible”, “Professional” and “Cooperative” make it a great place to work. We welcome applicants from diverse backgrounds. 

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you. 

Rabobank is not accepting submissions from recruitment agencies for this role. 

Applicants must hold valid work rights for this role.