Associate - Client Credit Risk

Join a dynamic Risk Division and play a key role in managing credit risk across a diverse client lending portfolio and investment counterparties. As an Associate - Client Credit Risk, you’ll contribute to the identification, assessment, and monitoring of credit exposures, ensuring alignment with our credit risk framework and appetite. This is an excellent opportunity to develop technical expertise and professional judgment in a collaborative team environment.

Key Responsibilities

Conduct credit risk assessments and financial analysis of clients and counterparties.

Provide borrowing recommendations on new client requests.

Monitor markets and operating environments relevant to our clients.

Establish lending covenants and monitor credit limits.

Prepare credit reports and recommendations aligned with internal policies.

Track credit exposures and portfolio performance, identifying risks and trends.

Build and enhance financial models, databases, and spreadsheets.

Maintain and improve credit assessment tools and systems.

Support regular reporting requirements and participate in projects.

Ensure accurate records for audit and compliance purposes.

Occasional travel within Queensland (primarily SEQ).

About You

Tertiary qualification in commerce, economics, business, finance or related discipline.

3–5 years’ experience in credit, financial analysis, advisory or project finance.

Strong analytical skills and financial modelling expertise.

Excellent written and verbal communication skills.

Familiarity with credit rating systems and regulatory obligations.

Ability to apply sound judgment and problem-solving skills.

Desirable:

Progress toward CFA or Master’s qualification.

Experience with Power BI or willingness to learn

Build the future with QTC:

QTC is the central financing authority for the Queensland Government and provides financial resources and services for the State. We manage the State’s funding program in the global capital markets to deliver sustainable and cost-effective borrowings for the Queensland Government, local governments, and other related entities (our clients).

With a statutory role to advance the financial interests and development of the State, we help to deliver innovative, long-term solutions that contribute to the growth of Queensland’s economy. We protect Queensland’s financial interests and deliver better financial outcomes by centralising the management of our clients’ borrowings, cash investments, and foreign exchange.

We do work that improves Queensland for generations. We are a leader in finance, creating meaningful solutions with profound outcomes. We set the standard in financial solutions. We address the challenges of today, with results for tomorrow.

AT QTC we celebrate diversity and are committed to creating an inclusive environment for all employees. We have an equitable, barrier-free application process so please inform us of any accessibility requirements in your application or you can reach out to our Talent Team .