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Westpac Group

Overview: 

Credit Restructuring has global responsibility for and manages all of Westpac Institutional Bank’s (WIB) and Westpac Commercial & Business Bank’s (C&BB) sub-standard and impaired assets. This includes Westpac brands such as St George, BankSA, Bank of Melbourne  and Capital Finance.

Credit Restructuring also actively assists in the management of "watch-list" exposures. Credit Restructuring seeks to minimise any potential credit related losses and maximise returns through actively managing the customer relationship.

Better outcomes for the customer and Westpac are most often achieved when Credit Restructuring is brought into developing situations early (i.e. when it is first suspected that a customer may be experiencing some level of financial stress) through voluntary restructurings and work-outs rather than formal insolvency proceedings. 

The Credit Restructuring team works closely with:

• Borrowers experiencing financial difficulty or whose facilities have become delinquent,

• Credit officers, relationship managers and industry analysts ,

• External accounting, legal and other industry specific professionals,

• The work-out and credit areas of other financial institutions (in syndicated transactions),  

• Specialist industry bodies such as APRA, the Australian Bankers' Association, the Insolvency Practitioners' Association of Australia and INSOL International on legal and credit related issues, and

• Deals with the Australian Financial Complaints Authority (AFCA) from time to time.

Role Purpose: 

In conjunction with the responsible Credit Restructuring account manager, the purpose of the role is to manage a portfolio of sub-standard and impaired assets which have been identified as below average risk. 

This important role requires active involvement with:

• Westpac risk personnel and systems to ensure account management, MIS and the risk profile of the Borrower is current and accurate at all times,  

• The preparation of reports to the Head of Credit Restructuring, Group CCO, CRO, GM Credit, and the Board Risk Management Committee

• External advisors such as insolvency firms and lawyers, in order to develop and recommend credit risk management strategies for each Borrower in the  portfolio, based on an ongoing credit analysis of the Borrower and legal review of Westpac's documentation and security

• Face to face meetings with borrowers.

Knowledge, Experience and Competencies:

• Strong working knowledge of loan products and associated exposure systems (desirable but not essential),

• Commercial, business or corporate credit assessment experience,

• Experience in loan structures, documentation and security,

• Strong oral and written communication skills,

• Understanding of and interest in relevant industry issues,

• Developed interpersonal skills and an ability to converse with borrowers, professional advisers and internal Westpac contacts, and

• Keen attention to detail.

Employee Status: Permanent

Schedule: Full-time

Closing Date: 21/11/2019, 11:59:00 PM

How will I help?

The Chief Digital & Marketing Office encompasses two key business units- Digital and Marketing, with a purpose to build trust in the moments that matter for our customers and bankers. Consumer and Business Digital look after the bank’s digital products and services across six retail brands (Westpac Live for Westpac Bank and Compass for St.George, BankSA and Bank of Melbourne). From strategy development, digital adoption and sales to service and exceptional product design and experience, our 220+ employees work tirelessly to help deliver seamless banking experiences to all customers – from consumers to large businesses - in the moment, through mobile, desktop and tablet.

We currently have 4.65 Million digitally active customers (business and consumer), with 60% of our customers banking digitally in any given month. The Marketing team is focused on engaging and communicating to our customers and communities. Through partnering with multiple divisions across the organisation, the team promotes and educates on our products and services while also helping to build and maintain the reputation of our brands.

Why does this position exist?

As part of Digital’s 1LoD Digital & Marketing Risk Services team, this role will contribute to the design and implementation of risk and compliance management practices to ensure our legal and regulatory obligations are met. The role is critical in supporting CDMO to embed a culture focussed on good conduct and positive customer and financial outcomes.

A large focus of the role will be to provide generalist risk and compliance advice to projects delivering on business changes, initiatives and continuous improvement projects.

The role will have a close working relationship with Second and Third Line of Defence teams within the Risk Governance framework

Major accountabilities of position

1.     Risk and Compliance Advice

• Provide generalist risk and compliance advice on business changes, strategic initiatives and continuous improvement projects.

• Identify, advise, implement and manage risk and compliance obligations related to delivery of strategic initiatives.

• Support the delivery of marketing campaigns in the Digital channel through advice and review

• Seek to optimise risk management, balanced with key business decisions and objectives.

• Proactively engage key stakeholders across the three lines of defence achieve business outcomes.

• Support the design and delivery of commercial and compliant solutions to achieve Digital & Marketing strategy.

• Support the growing maturity of the risk profiles and compliance plans.

2.     Strategic Risk Environment

• Promote and drive a strong risk and controls culture that optimises risk/reward

• Ensure risk and compliance considerations are central to decision-making, ensuring compliant-by-design achievement of business objectives.

• Facilitate a step change in risk and compliance management

3.     Future Risk and Compliance Management

• Demonstrate strategic thought leadership in embedding Best in Class risk and compliance.

• Build capability through the delivery of clear and concise training and communication programmes.

• Support and work across lines of business to enable collaboration and continuous improvement and enhancements to better support our customers.

4.     World Class

• Foster relationships with stakeholders to ensure collaboration with other relevant business units, in particular 2LOD Compliance, 2LOD Operational Risk and Legal.

• Provide thought leadership contributing to the Risk and Compliance Community of Practice.

• Support and contribute to team deliverables to enable the success of the whole team.

• Contribute to a strong risk culture that embodies our ethics and integrity emphasised within

• Digital & Marketing and engender a culture of  compliance which enables the Group’s strategy.

What do I need?

• 3+ years’ experience 1) developing, embedding and advising on risk/ compliance obligations, process and controls within a Digital, Marketing and/or Technology environment 2) driving and supporting the maintenance and uplift/optimisation of  digital/ technology capability

• Interest and/or experience in the customers online customer financial verification process or understanding of system architecture and rules is desirable

• Interest and/or experience in Digital/emerging technologies (Fintech) and/or business strategy and innovation

• Ideally, 3+ years working experience in the financial services industry

• Understanding the retail & business banking market in Australia – challenges, trends, competitive & regulatory environment

• Previous experience within a Three Lines of Defence regime (desirable)

• Tertiary qualifications in Technology, Engineering, Accounting, Commerce, Finance or related discipline (desirable)

PERSONAL ATTRIBUTES

• Excellent stakeholder management and influencing skills 

• Ability to identify and investigate process (and/or control) simplification opportunities

• Ability to act autonomously

• Change agent with a focus on always challenging the status quo

• Excellent verbal and written communication and presentation skills

• High standard of professionalism and integrity

What’s it like to work here?

We aim to provide one big, supportive team to help us reach our vision to become one of the world’s great service companies. As an equal opportunity employer, we’re proud to have created a culture and work environment that values diversity and flexibility – and champions inclusion.

Employee Status: Permanent

Schedule: Full-time

Closing Date : 22/11/2019, 11:59:00 PM

To apply, please send your CV to 

[email protected]

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