Credit Analyst - Secured Business Lending
We are seeking a high-caliber Senior Credit Analyst to join our growing team in a pivotal role focused on the underwriting and management of secured business loans ranging from $500k to $2m.
This role is centered on identifying and assessing viable lending opportunities secured by second registered mortgages over residential and commercial real estate. You will act as a critical link between our sales engine and credit risk framework, ensuring the delivery of fast, responsible and innovative funding solutions to Australian SMEs.
Key Responsibilities
Scenario Assessment & Stakeholder Engagement
* Collaborate closely with sales, finance brokers, accountants and debt advisors to pre-screen and qualify potential loan scenarios
Comprehensive Underwriting
* Conduct deep-dive credit assessments for secured business loans
* Analyse SME business cash flow, including detailed review of bank statements and financial statements
Credit Committee Presentation
* Prepare high-quality credit submissions
* Present recommendations clearly and confidently to the Credit Committee
Security & Settlement Management
* Liaise with external solicitors and valuers to manage valuations and documentation
* Ensure all conditions are satisfied to achieve smooth and timely settlements
Portfolio Quality & Risk Management
* Maintain strong credit and risk standards
* Find "the way to yes" through creative, responsible deal structuring
Experience & Qualifications
We are looking for a commercially-minded analyst who thrives in a fast-paced non-bank lending environment.
* 5+ years' experience as a Credit Analyst within unsecured business lending or property-backed business lending
* Essential experience in the non-bank or private lending sector
* Deep understanding of SME cash flow drivers
* Proven ability to interpret complex bank statements and financial reports
* Strong technical knowledge of security registration processes (PPSR and mortgages)
* Sound understanding of relevant Australian lending legislation
* A creative and analytical problem-solver who can look beyond the numbers
* Degree in Business, Accounting, Finance or a related discipline (highly regarded)