Key Role in Lending Decisions
Main Responsibilities
* Evaluate and underwrite equipment finance applications to ensure they align with our company's credit policies.
* Conduct thorough financial analysis and prepare detailed credit submissions for retail and key account customers, ensuring accuracy and attention to detail.
* Analyse portfolio trends to identify potential credit and capital risk exposure, and develop strategies to mitigate these risks.
* Collaborate with stakeholders to recommend alternative finance structures that achieve optimal outcomes for the business and customers.
* Review and maintain credit limits, conditions, and securities for key account facilities, ensuring compliance with established policies and procedures.
* Ensure adherence to legal, regulatory, and privacy requirements across all lending activities.
About You
* You have a minimum 5 years of experience in financial services, asset finance or a senior credit underwriting role, with a proven track record of success.
* You possess strong financial acumen, with expertise in interpreting and analysing financial statements.
* You are an effective leader, able to mentor and influence others across cross-functional teams.
* You have excellent relationship management and interpersonal skills, with the ability to communicate complex information effectively.
* You are proficient in time management and organisational skills, with a focus on prioritising tasks and meeting deadlines.
* You have excellent written and verbal communication skills, with the ability to present to senior stakeholders and committees.
* You have a deep understanding of credit risk, compliance, and legislation.
* You are skilled in using credit decisioning systems and developing risk-based tools and processes.
We are a world-class equipment and services company dedicated to advancing the noble work of agriculture and construction workers. We are passionate about bringing innovation, sustainability, and productivity to all that we do.
We are proud to be a certified Great Place to Work, showcasing our commitment to fostering a positive and inclusive workplace culture.