Livestock Corporate Credit Analyst

Corporate Credit Analyst

An exciting permanent opportunity within the ANZ DLL F, A & O business unit has become available for a Corporate Credit Analyst specializing in Livestock & Input Finance, reporting to the Credit Manager Corporate Finance.

As a Corporate Credit Analyst, you will be responsible for analysing the risk level of customer and vendor credit applications primarily across the livestock and agricultural inputs value chain, contributing to credit approval outcomes while supporting the business in achieving its expected risk loss targets.

• Undertake detailed financial analysis and modelling for new and existing clients operating across key sectors such as Agriculture, Construction, Transport, Industrial, Healthcare, Energy Transition, Office equipment and Tech Finance.
• Undertake business performance assessment considering seasonality, commodity price volatility, weather and biological risk, and working?capital?driven cash flow cycles for livestock & agricultural inputs customers.
• Liaise with all back?office functions, sales/account management, credit and risk management, legal, and asset management teams, together with relevant third parties.
• Collect customer and vendor information using applicable systems and procedures, assessing completeness, accuracy, and recency.
• Analyse risk across financial, asset, market, security, legal, contractual, and commodity exposure dimensions, including reassessment and re?rating of customers, end users, livestock counter parties, and vendors/dealers.
• Write high?quality, well?structured credit application reports; decide on end?user credit applications and vendor/dealer agreements within delegated authority; make sound recommendations and present submissions to higher credit decisioning authorities, including local and global Credit Committees.
• Prepare, advise, and participate in Local Credit Committees, contributing to robust decision?making within delegated authority levels.
• Monitor portfolio performance and credit/risk profiles in alignment with corporate and external policies, regulatory requirements, and sales mandates.
• Contribute to the development of local credit and risk management policies, regulations and guidelines.
• Provide information, training, and support to front? and back?office stakeholders to ensure strong alignment on credit policy, livestock and input?specific risks, and decisioning standards.

• Two working days per year volunteering for a local charity.
• Health and Wellness program including healthy food, free health checks and wellbeing activities.
• Flexible working hours with the possibility to work from home.
• Career development opportunities including online learning and member development programs.
• Click the relevant link for an overview of all benefits in your region.

• Degree in accounting, finance, commerce, agribusiness, or a related field.
• Minimum 5 years' relevant experience in asset / equipment finance, agribusiness finance, or corporate credit, with a demonstrated Delegated Lending Authority (DLA) of at least AUD 1.5 million.
• A deeper understanding of livestock production (cattle, sheep, dairy), livestock trading and processing, and agricultural input sectors including feed, fertiliser, seed, chemicals, and animal health is mandatory.
• Advanced financial analysis and modelling capability, including cash flow forecasting and stress testing.
• Understanding of vendor?based and dealer?based finance partnerships, balancing strategic commercial objectives with disciplined risk management.
• Strong understanding of documentation, security structures, and legal processes, including expert?level knowledge and application of PPSR, with exposure to agribusiness collateral considered highly desirable.

• Proven ability to analyse the risks and rewards in livestock, input, vendor, dealer, and customer relationships, and clearly articulate findings in professional, high?quality credit applications.
• Strong communication skills with the ability to engage effectively with internal and external stakeholders.
• Excellent written and verbal comprehension skills.
• Strong organisational skills with the ability to prioritise…