About the Role; The Credit Analyst role is responsible for evaluating the financial background and creditworthiness of applicants seeking auto loans or lease financing. In this role you will have the opportunity to use financial data, credit reports, and other relevant information to make informed decisions and recommendations on loan approvals. Your analysis will directly influence the company’s risk management and profitability. Key Deliverables; Review and analyse loan applications, including credit reports, income statements, and other financial documents. Assess the applicant’s ability to repay the loan based on credit history, income, employment stability, and debt-to-income ratio. Identify potential red flags or high-risk applicants and escalate as appropriate for further review. Make recommendations to decision loan applications based on your overall assessment while adhering to policy, procedure and guidelines. Collaborate with sales, operations, and underwriting teams to ensure a great customer experience is provided. Ensuring all assessments are conducted with appropriate research and reflect current polices and standards. Key Stakeholders; Dealer Managers Dealerships POI & Settlements Risk Qualifications; Bachelor’s degree in finance, accounting, economics, or related field preferred but not essential. Experience; Prior credit underwriting experience is essential. Exposure to consumer and commercial lending is preferred. Auto finance industry experience is highly regarded. Strong understanding of financial statements, credit reports, and risk assessment tools. Excellent attention to detail and analytical skills. Strong communication skills for liaising with clients and internal teams. Proficiency in Microsoft Excel, financial modelling, and other analytical tools. Employee Benefits We have a long list of benefits to suit your needs. On the clock, and off it. Here are a few favourites. B irthday leave: Enjoy a day off on your birthday, because you deserve it. Health and wellbeing leave: Take some well-deserved ‘me’ time, because your health comes first. Volunteering day: Make an impact with a day dedicated to giving back to the causes you care about. $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support tailored to your work setup. Recruitment referral program: We want to find and hire the best talent in the market, and we want to reward you with a payment of up to $5,000 for helping us identify and personally endorse high-calibre candidates you believe would be a great fit to come and work for us. Employee rate program: When you’re part of the Angle Auto Finance team, you’ll gain access to our best auto finance rates with your next car purchase—just another way we’ve got your back. Paid parental leave: Be there for life’s most important moments with time to support your growing family. SPARK: The employee benefits program that gives you everything from discounts to wellbeing support. Purchased annual leave: Gain extra flexibility by purchasing additional leave. Diversity flex leave: Our people have the flexibility to observe culturally significant days by choosing an alternate day that better aligns with their cultural values. We'd love to hear from you Select the 'Apply' button above to send your resume through to the Talent Acquisition team. Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law.