Overview
Join to apply for the Credit Manager role at Shift. Shift has a 10-year history of solving complex problems for Australia businesses. As a Credit Analyst you will be an key part of the customer journey and will work closely with a range of customers and brokers to assess credit applications using bank statements, financial statements, and other resources to determine credit worthiness of applications.
Your enthusiasm and drive will lead to continued success in identifying customer needs and sourcing and recommending a variety of products that service those requirements. You will be partnered with relationship specialists to provide a unique customer experience to business customers both at acquisition and throughout the life of the customer.
Responsibilities
- Work in partnership with Relationship Managers, Sales team and Customer Solutions specialists to identify and structure credit solutions for business customers both at acquisition and through the life of the borrower.
- Conduct phone interviews with applicants and brokers to discuss loan applications and negotiate key criteria to ensure Shift’s position is not compromised.
- Build meaningful relationships with peers, internal stakeholders and other teams to support business performance and maximise Shift’s value proposition.
- Clearly communicate questions required to make decisions to customers and brokers in a professional manner.
- Support Relationship Managers, Sales team and Customer Solutions specialists and brokers to workshop transactions and conduct account reviews to achieve the best solutions within guidance and appetite.
Financial Analysis
- Provide efficient and effective financial analysis and credit risk assessment by analyzing customer bank statements and financials to recommend or approve limits aligned to Shift’s credit approach and lending appetite within Delegated Lending Authority.
- Accurate recording of key risk factors within credit assessment to clearly identify risks and provide mitigation to support decision making.
- Detailed assessment of applicant’s profile, industry risks and financial position from available information.
- Ensure correct products and services are applied to customer application.
- Prepare sound credit assessments for recommendation to higher delegation holders for decision.
Compliance & Communications
- Adherence to Shift’s Credit Underwriting standards and guidelines and compliance with policy and standards regarding reporting and documentation.
- Ensure data integrity in all core systems and ensure compliance training is up to date.
- Build and maintain clear communication with customers and brokers to facilitate decisions.
Experience & Qualifications
- Experience assessing commercial credit based on financial statements, bank statements and non-traditional data.
- Experience in risk or analytics data handling is advantageous but not essential.
- Experience with finance products embedded in a Point-of-Sale environment is advantageous but not essential.
- Attention to detail with investigative skills and the ability to make decisions logically and clearly.
- Ability to communicate respectfully and succinctly with external and internal stakeholders.
- Tertiary qualifications preferred.
- Previously held DLA for commercial / business lending.
- Business Acumen and sound knowledge of SME market.
Seniority level
- Entry level
Employment type
- Full-time
Job function
- Finance and Sales
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📌 Credit Manager
🏢 Shift
📍 North Sydney Council