**Job Title:** Credit Risk Analyst
**About the Role**
The Credit Risk Analyst is responsible for assessing and mitigating financial risk associated with consumer and commercial automotive loan and unsecured personal loan applications. This role is essential to minimizing risk, maintaining regulatory compliance, and verifying borrower information.
**Key Responsibilities**
* Analyze loan applications to assess creditworthiness using a variety of data sources including credit bureau reports, bank statements, income verification documents, and employment history.
* Evaluate applicants' financial stability, repayment capacity, and debt-to-income ratios in accordance with Australian lending regulations.
* Assess the validity and accuracy of information provided by applicants and broker referrers, identifying potential fraud or misrepresentation.
* Adhere to internal credit policies and lending guidelines, conducting quality reviews of customer identification and adhering to all relevant standards.
**Requirements**
* Proven experience of at least 4+ years of delegated lending authority, having held a DLA of at least $100K.
* Deep understanding and expertise in Equifax Comprehensive Credit reporting and financial document analysis.
* Prior experience in a lending institution or financial services environment is essential.
**Desirable Skills & Qualifications**
* Strong analytical and problem-solving skills.
* Excellent attention to detail.
* Knowledge of financial analysis and credit risk assessment.
* Familiarity with relevant Australian lending regulations.
**What We Offer**
We offer a dynamic and innovative work environment where you can take ownership of your role and contribute to the business's success. Our team is collaborative, customer-focused, and committed to excellence.
**Join Our Team**
If you are a motivated and skilled professional looking for a new challenge, we encourage you to apply for this exciting opportunity.