4 Credit Analyst jobs in Australia

Senior Associate, Credit Analyst, Global Corporate & Investment Banking, Australia
Sydney, Australia
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At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Our Line of Business:**
Enterprise Credit (EC) is a front-line function and part of the Global Banking and Markets organization at Bank of America. The EC team is responsible for underwriting credit solutions for large corporate and financial institutions clients. As a core member of the client team, EC partners with relationship and product teams including Corporate Banking, Investment Banking, Syndicated Finance, Global Treasury Services and Global Markets to drive revenue growth and manage risk in our credit portfolio.
**Description**
The Snr Associate will manage a portfolio of large corporate and financial institutions clients and are responsible for structuring, underwriting, negotiating, and monitoring financing solutions for their clients associated with syndicated loans, bridge financings, hedging, leasing, and treasury management products. The GCIB Australia portfolio consists of large multinational companies in sectors such as Airlines, Building Products, Construction & Engineering, Commercial Services, Energy, Healthcare, Infrastructure, Real Estate and Transportation in addition to Financial Institutions and select Private Equity investments. Credits in the portfolio are principally underwritten on a cash flow basis with a mix of investment grade and non-investment grade transactions. Responsibilities include but are not limited to:
+ Structuring, underwriting, negotiating, documenting, and managing credit risk associated with all banking products for a designated client portfolio.
+ Identifying opportunities to responsibly grow the loan portfolio.
+ Mitigating losses in deteriorating credits through amendments and restructurings.
+ Leading internal discussions and completing credit approval memorandums that summarize the merits and risks of a transaction based on due diligence findings, financial statement analysis, financial forecasting, assessments of terms and conditions, analysis of company and industry risks, and relationship profitability.
+ Negotiating legal documentation related to loans and derivatives.
+ Interfacing with internal control partners and external regulators.
+ Training and mentoring Credit Analysts and Associates.
**Required Skills**
+ 7 years' experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products.
+ Strong credit risk analysis and conclusion-oriented analytical skills with ability to manage complex transactions.
+ Must be able to independently lead diligence efforts, make approval recommendations, negotiate loan documentation, and execute timely closings.
+ Able to soundly manage the portfolio and justify rationale for recommended transactions.
+ Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of risk, support, and business partners.
+ Ability to manage multiple priorities - must be a team player.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At **Citi** , you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You'll also have the chance to give back and make a positive impact where we live and work through volunteerism.
**Shape your Career with Citi**
Citi's **Risk Management** organization oversees risk-taking activities and assesses risks and issues independently of the front-line units. We establish and maintain the enterprise risk management framework that ensures the ability to consistently identify, measure, monitor, control and report material aggregate risks.
Citi Commercial Bank provides global banking solutions to mid-sized companies that are looking to grow rapidly and expand internationally. With our global network, comprehensive solutions, and industry expertise, we help these businesses succeed across a wide variety of industries and at most stages of their growth.
We're currently looking for a high caliber professional to join our team as **Vice President, Credit Risk Officer - Commercial Banking - Sydney - Hybrid** (Internal Job Title: Credit Officer - C13) based in Australia. Being part of our team means that we'll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:
+ We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That's why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
+ We empower our employees to manage their financial well-being and help them plan for the future.
+ We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
The Credit Officer 3 is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
**In this role, you're expected to:**
+ Appropriately assess credit risk of underwriting requests for commercial credit extensions of new and existing clients within the mid-market and institutional segments. Have ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
+ Perform credit risk analysis based on credit requests memos of clients by analyzing the business, financing purpose, identifying the strengths and prevailing risk factors and rendering a final credit decision.
+ Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
+ Perform credit analysis on companies, guarantors in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
+ Perform industry research and other due diligence as needed.
+ Maintain a solid understanding of Citibank products and services - within Citi Commercial Banking and the broader organization.
+ Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
+ Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
+ Provide support to Head of Commercial Bank Risk Australia across projects, risk initiatives as required to support risk and broader organizational goals.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**As a successful candidate, you'd ideally have the following skills and exposure:**
**Qualifications:**
+ 6-10 years previous credit authority experience covering corporate credits within the mid-market and/or institutional banking is preferred. Prior experience with regulatory and compliance policy environment.
+ Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections, including complicated business structures with foreign subsidiaries and/or parent organizations.
+ Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
+ Proficient in various spreadsheet applications (Excel), including the use of graphs and charts.
+ Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment.
+ Effective inter-personal and written/verbal communication skills.
+ Thorough problem recognition and resolution skills.
+ Pro-active disposition with ability to work autonomously and within a team.
+ Ability to deal with complex and variable issues and take a risk balanced approach weighing various alternatives and balancing potentially conflicting needs.
**Education:**
+ Bachelor's/University degree, Master's degree preferred.
Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.
**Take the next step in your career, apply for this role at Citi today**
_ job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

**About the Role:**
**Grade Level (for internal use):**
10
**S&P Global Market Intelligence**
**The** **Role:** Sales Specialist, Credit and Risk Solutions
**The Team:**
S&P Global Market Intelligence's Credit & Risk Solutions (C&RS) business unit with Risk and Valuation Services Division powers credit and risk management workflows by bringing together cutting-edge analytics, differentiated data, technology and workflow solutions to help our customers stay ahead of the competition, pinpoint risk exposures and spot the right opportunities in an unpredictable market environment.
Our capabilities span Credit Ratings and Research from S&P Global Ratings; Rating transition, Default and Recovery rate analytics; RiskGauge credit reports on >50m public and private companies; quantitative and expert judgment Probability of Default and Loss Given Default scoring models including specific areas/markets such as Climate Risks & China, and analytical consulting services
We value partnership and collaborative teamwork as essential qualities to succeed in this role. We reward hard work, dedication, and self-starters and believe that no one part is more valuable than the sum of the whole; we need everyone to achieve our goals. As a high growth, highly successful Sales team we work global, multi-stakeholder deals with a wide range of companies who lead, innovate, and disrupt their respective industries.
**Responsibilities:**
You will join a specialist sales team renowned for the strength and track record of its members. As a member of the Asia Pacific C&RS sales organization, you will be responsible for driving new business sales opportunities across our capabilities in the Oceania region while contributing to the overall performance of the region's sales goal and other performance metrics.
+ Revenue Generation - Drive ambitious sales growth, meeting or exceeding your new business sales quota
+ Develop and nurture strong client relationships with the 'C-Suite' and Senior Managers within their organization (eg. Chief Executive Officers, Chief Financial Officers, Chief Risk/Credit Officers, Heads of Divisions & Business Units, etc)Optimize revenue by prioritizing opportunities and engaging clients proactively through networking and methodical outreach campaigns, marketing strategies, account planning with Account Managers, etc
+ Develop industry specific knowledge necessary to have credible diagnostic conversations with clients
+ Develop a strong understanding of the value proposition for our offerings as it relates to your market and communicate clearly to deal team members (ie. Account managers, credit product specialists, product management, etc)
+ Represent and promote S&P Global core valuesContribute to the business strategy through a deep understanding of and keeping up to date with key industry news and events involving clients and prospects alike, macro/ market trends / regulations impacting local markets and keeping abreast of our competitive landscape
+ Provide timely and accurate pipeline updates and revenue forecasts and maintain opportunity pipelines, leads management and sales activity in Salesforce.com.
**What We're Looking For:**
You are a results-driven, sales professional with a strong understanding of the Banking and Multinational corporations' workflow and comparative solutions - on the client side or in a Product or Commercial role for a market provider - who can actively seek out and engage prospects in Financial Institutions across the Pacific region.
+ 2-5 years of direct new business sales experience / direct selling into the institutional financial markets (Banks) and multinational corporations, preferably selling complex solutions in the Pacific region
+ A comprehensive understanding of regulatory and credit risk / fixed income / credit markets gained via experience at financial/capital markets data/technology firms is highly desirable, experience at financial institutions, asset managers is also welcome
+ A strong network of senior contacts in Pacific financial markets is highly preferable
+ Strong interpersonal communication skills, active listening, and confidence in delivering product demonstrations are essential
+ Interest in solving problems for clients through the delivery of financial solutions and analytical tools
+ Strong personal integrity and a confident and positive manner
+ Entrepreneurial mindset; demonstrates drive, initiative, energy, and sense of urgency
+ Work effectively in a team-based environment as well as independently
+ Desire and flexibility to learn and grow in an ever-changing environment
+ Bachelor's degree or equivalent required. MBA/CFA/CMA/MAppFin is a plus
**About S&P Global Market Intelligence**
At S&P Global Market Intelligence, a division of S&P Global we understand the importance of accurate, deep and insightful information. Our team of experts delivers unrivaled insights and leading data and technology solutions, partnering with customers to expand their perspective, operate with confidence, and make decisions with conviction.
For more information, visit .
**What's In It For** **You?**
**Our Purpose:**
Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology-the right combination can unlock possibility and change the world.
Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress.
**Our People:**
We're more than 35,000 strong worldwide-so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.
From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We're committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We're constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference.
**Our Values:**
**Integrity, Discovery, Partnership**
At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of **integrity** in all we do, bring a spirit of **discovery** to our work, and collaborate in close **partnership** with each other and our customers to achieve shared goals.
**Benefits:**
We take care of you, so you can take care of business. We care about our people. That's why we provide everything you-and your career-need to thrive at S&P Global.
Our benefits include:
+ Health & Wellness: Health care coverage designed for the mind and body.
+ Flexible Downtime: Generous time off helps keep you energized for your time on.
+ Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
+ Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
+ Family Friendly Perks: It's not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families.
+ Beyond the Basics: From retail discounts to referral incentive awards-small perks can make a big difference.
For more information on benefits by country visit: Hiring and Opportunity at S&P Global:**
At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.
**Recruitment Fraud Alert:**
If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to . S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, "pre-employment training" or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here ( .
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**Equal Opportunity Employer**
S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment.
If you need an accommodation during the application process due to a disability, please send an email to:   and your request will be forwarded to the appropriate person. 
**US Candidates Only:** The EEO is the Law Poster   describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - - Sales (EEO-2 Job Categories-United States of America), SLSOUS402.1 - Middle Professional Tier I-Ou Sales (EEO Job Group)
**Job ID:** 312999
**Posted On:** 2025-07-10
**Location:** Sydney, New South Wales, Australia