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About UsAt ABAL banking, our focus is to deliver exceptional service and fulfil our commitment to our customers and community: We are Reliabal, Responsabal and Capabal. ABAL banking has been operating since 1986 and as a financial institution in a competitive market, we are extremely proud of our growth and development and the recognition in Australia. Our effort to maintain credibility and transparency is a key component of this ongoing growth, strengthened by our focus on continuous support of local initiatives and the wider Australian community.Position Summary:Primary Role of the Credit Analyst is to support the Relationship Manager (RM) and Senior Manager (SM) in assisting with the preparation of Credit Memorandums(CMs) and performing the Financial Analysis of the deal, ensuring the RM team completes the CM in a timely manner inline with the Banks Strategy and Risk Appetite, including policies and procedures, whilst also recognising the Banks lending goals.This position is a fulltime role base in Parramatta NSW.As a Credit Analyst, your role will include: Financial Analysis of Financial Statements. Credit Structuring. Writing of CMs (Credit Submission), including: o In depth analysis and understanding of the customers Business and the Businesss goals. o Analysis of the industry, their debtors & creditors, identifying any related strengths and weaknesses/threats. o Perform debt servicing and interest rate sensitivity. o Identify any potential threats and mitigants to the transaction. o Understand and implement correct security structure, ensuring the Bank is secured in terms of policy. o Compile all information in a clear, concise format, allowing the RM and Credit team to decision the paper in a timely manner, thus delivering a high standard of service to the customer. o Assist the Branch team in reaching its Lending targets, by completing the CMs in a timely manner and identifying any potential cross sell opportunities. Perform Annual Reviews of existing customers. Perform Interim/Quarterly reviews of existing customers as required. Perform Credit searches as required. Understanding and implementation of the Banks policies and procedures, including risk policies (ie, ensuring correct conditions precedent and subsequent are implemented in CMs) Preparation of Short Form CMs for matters such as: Bank Guarantees, Change of Security, Consents, Releases etc. Assist with helping the Branch/Region to achieve their goals, by actively participating in initiatives such as the West StrategyRole Desirable Attributes:Business Knowledge, Skills and Experience:Tertiary qualified in business/accounting or equivalentA strong understanding of Financial Statements.A strong understanding of business risk issuesAbility to synthesize data from multiple sources, and identify trends and potential impacts on a client and/or the BankStrong problem solving skills, analytical skills and lateral thinking abilityIndividual Behaviours:Demonstrated ability to inspire, influence and lead othersAbility to coach and mentor individuals to higher levels of performance and to balance work and life styleLeads by example and motivates a high performance cultureWell developed oral and written communication skillsExcellent personal organisation and planning skillsStrong negotiation and influencing skillsExcellent attention to detailStrong interpersonal skillsAnalytical, objective and decisiveStrong self awareness, passion, humility, integrity, mission driven, self directed, positive.Demonstrate the ability to live the Banks culture and valuesBenefits and Perks:Discounted Corporate Private Health insurance, so you and your family can all stay happy and healthy.Free Salary Continuance insuranceFree annual Flu vaccinationNovated Lease for Motor VehicleAttractive home loan package for eligible employeeDiscounted cooperate Gym membership because we care about our staffs health and wellbeing.If you are interested, please apply via the link.Only shortlisted candidates will be contacted. Applicants must be Australian resident. #J-18808-Ljbffr