At Judo, we're more than just a business bank – we're pioneers in redefining business banking for the modern era. Rooted in timeless values such as integrity, trusted relationships, and a challenger spirit, we're dedicated to revolutionising business banking for Small to Medium Enterprises (SMEs) across Australia. Our journey began in 2016 with a bold vision and a PowerPoint slide, driven by a desire to challenge the status quo in an industry dominated by the major players. In just a few short years, we've grown exponentially, establishing ourselves as one of the fastest-growing new banks globally, with over 30 offices spanning the nation.
At the heart of our ethos lies a commitment to supporting Australian SMEs, placing our people and customers front and centre in everything we do. Our agility and adaptability enable us to say 'yes' when other banks say 'no', making it easier for our customers to secure the funding they need, precisely when they need it. We take immense pride in our personal approach to banking, fostering diverse relationships and cultivating a collaborative culture within our team.
Our culture – come and join a multi-award-winning place to work.
We firmly believe that culture eats strategy for breakfast, lunch, and dinner and the most important investment we can make is in our people. Our Values of trust, teamwork, accountability and performance underpin the foundation of our culture. We're not your average bank. Judo was built from the ground up, with one purpose: to be the most trusted SME business bank in Australia. We made sure to cultivate a space where bureaucracy is left at the door - where our customers come first with relationships at the core of what we do. We aspire to think differently, inviting new ideas, and creating a space where everyone feels like they belong because we know that it's our unique differences that make us collectively stronger.
We are thrilled to be externally recognised for our unique culture too! We were awarded the #1 ranking in LinkedIn’s Top Companies in Australia list as well as named in the AFR’s BOSS Best Places To Work list for 2 years in a row. We’re also super proud to be included in the 2024 HRD Australia 5-Star Employers of Choice list.
Our people and our culture are truly our secret sauce.
Job Description
Now, about this role…
As a Senior Credit Analyst, you’ll play a key role in supporting and working closely with the 2nd Line Credit Risk team to proactively monitor, manage and report the credit risk profile and performance of the lending portfolio in accordance with Judo’s risk strategy, appetite and policy.
If that excited you, then this just might be…your dream job:
Responsible for monitoring, analysing and reporting key credit risk indicators against Judo’s Risk Appetite Statement.
Working with several key stakeholders (Credit Risk, Relationship) to understand key movements and drivers in the lending portfolio.
Undertaking ad-hoc portfolio deep dives to drive origination strategy, risk appetite and/or policy settings.
Assessing the risk and impact of potential external domestic/global events on Judo’s SME lending portfolio.
Assist with key credit risk management reporting to the Executive Committee, Risk Committees, and the Board.
Assist with key external credit risk reporting deliverables to key external stakeholders (e.g. Shareholders, APRA, Rating Agencies, Debt Funders). This includes several regulatory reporting forms to APRA.
Supporting the Finance/Investor Relations team with the delivery of external Financial reporting
Ability to analyse peer financial results and system data in relation to asset quality and provisioning disclosures.
Supporting the broader Group Credit function were required.
Desired Skills and Experience
Your life pre-Judo:
Minimum 5 years’ experience in banking or related financial services (or similar)
Demonstrated experience within a similar role
Sound knowledge and experience of understanding credit risk management and regulatory frameworks
Sound analytical skills – ability to analyse data and present information that is easy to interpret and digest
Demonstrated ability to solve problems
Excellent attention to detail
Self-starter and a proven ability to build networks
Strong communication (written and verbal)
“Can do attitude” who is willing to challenge current ways of thinking
Intermediate to advance Microsoft Excel and PowerPoint skills
Intermediate to advance SQL skills
At Judo, our culture sets us apart: Our Values:
Accountability: Make decisions and own them. Do what you say.
Performance: Strive to improve each day, surpassing yesterday's achievements.
Teamwork: We're not just a team; we're a champion team.
Trust: The cornerstone of our purpose and relationships.
We're seeking individuals who embody resilience, positivity, curiosity, hunger for success, adaptability, passion, courage, decisiveness, and a hands-on approach.
What our team members say about us: Our people are empowered to make decisions, take ownership, and contribute to a collaborative environment. Bureaucracy is non-existent as we focus on collective success. At Judo, diversity isn't just valued; it's celebrated. We're committed to creating an inclusive environment where everyone thrives, making us collectively stronger. Our team works tirelessly towards our purpose while enjoying the journey of revolutionizing Australian SME business banking.
Perks of joining us:
• Additional 2 weeks of leave annually
• Induction: 4-week Judo Engagement Month to help set you up for success
• Big life event leave
• Home office setup allowance
• Flexible work options, embracing a true hybrid model.
If this resonates with you, reach out - we'd love to hear from you.
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