Purpose
The Wholesale Credit Analyst is responsible for assessing the creditworthiness of businesses and commercial clients seeking financing or credit services from a financial institution. The role involves analysing financial statements, assessing risk, and providing recommendations on credit decisions.
In this role you will have the opportunity to grow your knowledge of Wholesale Credit through supporting lending decisions, ensuring compliance with credit policies and mitigating potential risks and delivery of reports for all varying levels of stakeholders, standardisation of tools & templates for the Wholesale Credit team.
Responsibilities
- Leverage available data to provide quality and professional risk analysis on all recent, existing, and proposed counterparty transactions for credit.
- Partnering with the sales channel and engaging directly with customers in a productive and relationship focused manner.
- Add value and meaningful guidance in deal discussions and negotiations with Commercial teams and customers.
- Collecting, reviewing, and evaluating periodic financial data and wholesale audit performance data.
- Assessing counterparty behaviours relating to credit limit utilisation (bailment), stock aging profile, payment performance.
- Administration of account excesses (temporary over limits).
- Contributing to the ongoing maintenance of wholesale portfolio hygiene which involves regular assessment and review of counterparty risk ratings.
- Supporting and strengthening the risk culture throughout the business.
Qualifications
- Bachelor’s degree in Business, Economics, Law, or a related field.
- Working towards or completion of CPA / CA / CFA preferred.
Experiences
- Credit experience in Wholesale Automotive, Financial Services or Commercial Banking
- Commercial lending experience preferred.
- Sound credit and financial analysis skills.
- Effective business acumen and Automotive industry awareness
- Proven ability to operate efficiently within a team environment and build lasting relationships externally and internally within the Group.
- Advanced communication, influencing and negotiation skills.
- Proficient in MS 365 Office Suite (in particular PowerPoint, Excel)
Employee Benefits
- Birthday 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.
Application Information
Select the Apply button above to send your resume through to our Talent Acquisition team. Application close date – Tuesday 2nd December 2025.
Equal Employment Opportunity Statement
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.
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