• Full-time position in Melbourne or Sydney CBD
• Outstanding opportunity to progress your career within Deal Structuring & Execution team
• Use your expertise in credit and lending to drive exceptional outcomes for our customers

Our people are customer obsessed. They prioritise the needs and satisfaction of the customer above all else.  Our mindset fosters innovation and creates strong, lasting customer relationships as we strive to be the most customer centric company in Australia and New Zealand.

Each day, you’ll go above and beyond to:

• Provide high quality financial and risk analysis as well as financial modelling on complex lending submissions
• Ensure that all group exposures have been accurately assessed, with support from Associate Director DSE.
• Ensure that a commercial approach is evident, to protect both clients and the Bank
• Gather the correct and appropriate information from customers and the Relationship Team
• Assist the Relationship Team in building exceptional customer relationships
• Provide support to Associate Director DSE

We’re looking for the best and brightest to deliver the best for our customers. You’ll be doing:
Analyse and prepare detailed Lending Submissions in conjunction with the Emerging Corporate Relationship Teams, Associate DSE and Associate Director DSE, that includes:

• Completion of all formal New to bank, Increased and Annual Review submissions for exposures that have been classified within the Emerging Corporate exposures. File activities include:
• End to end Credit submission preparation.
• Preparation or Client Evaluation.
• Industry and Benchmarking Analysis.
• Financial Analysis including Sensitivities.
• Primary & Secondary Exit Analysis.
• Risk rating to ensure correct risk profile is reflected.
• Covenant Reporting confirmation / explanation.
• Hold your own DCA (Delegated Commitment Authority) for joint recommendation of submissions with Associate Direct & Credit Partners
• Complete mandatory training and continuous training obligations to ensure that their DCA always remains full and effective.
• Involvement in interviews with customers and Relationship Team.
• Coaching, mentoring and development of Associate DS&E and Relationship Team around large and complex operations and financial analysis to improve knowledge and capability
• Analysing and researching a wide range of Diversified Industries to improve knowledge
• Proactively manage risk and meet all policy and compliance requirements.
• Contribute to Revenue and ROE growth: in line with PU; Including pricing considerations as part of file completion / approval to ensure exposure is providing appropriate returns based on tenor and crs.
• Risk and compliance management: in line with PU. Through attention to early warning signs including crs deterioration & market / industry disturbances.

We respectfully ask candidates to hold any questions for the phone interview, where we’ll discuss the role in detail and answer any questions. This helps to ensure a focused, efficient and fair application process. The talent acquisition team looks forward to addressing all inquiries at that time if your application progresses.

A diverse and inclusive workplace works better for everyone
We know that our people make us who we are. That's why we have built a culture of equity and respect – where everyone feels valued and appreciated for being their authentic selves. In partnership with our multiple Employee Resource Groups (ERGs) we continue to foster an inclusive environment, where all NAB colleagues’ unique backgrounds and identities are understood, respected and celebrated.

Build your career with NAB
At NAB, we encourage our colleagues to invest in their skills, experiences and careers. To put your best application forward, we recommend firstly reviewing the job advertisement and the Role Purpose Statement (also known as the position description – this is linked to the job advert). This will give you a clear idea of what the role entails. If the opportunity excites you and aligns with your career aspirations, you should seek your People Leader’s endorsement and apply.

Note: all NAB colleagues are encouraged to have a minimum of 18 months tenure in their current role.

Looking for career advice?
We’re excited about your interest in this opportunity! For personalised career advice and to discuss your growth within NAB, please speak with your People Leader. They know your journey best and can offer the most relevant support and guidance. Additionally, please visit CareerU or Careers at NAB for useful tips and tools. Our Talent Acquisition Consultants are dedicated to the hiring process and will not have the full picture of your career path. 

We wish you the best of luck with your application! Application updates will be shared with you from PageUp (our recruitment system). We recommend you filter our current opportunities to your preferred location before applying.  If you require any adjustments to the recruitment process or the role, please let the Talent Acquisition Consultant know.