ABOUT US
Soda Capital is a non-bank lender specialising in Floorplan and Distribution finance across Australia and New Zealand. We support global distribution networks, by providing integrated finance solutions between Manufacturers, Distributors, Dealer networks and end users.
THE ROLE
In this role, you will be responsible for processing credit risk applications, legal documentation process and portfolio risk annual reviews, regular reporting and communication to Credit and related stakeholders. Importantly, the candidate will engage, support and understand our customers, to ensure Soda Capital understands their financial position/performance, experience and ability of the dealer to meet financial obligations.
RESPONSIBILITIES
· Assist
Credit Managers
in reviewing
credit submissions
and structuring Distribution finance solutions.
· Conduct detailed
financial analysis
, including
balance sheet reviews, profit & loss statements, and cash flow assessments
.
· Evaluate
borrower risk ratings
and
creditworthiness
to support facility approval recommendations.
· Prepare internal
credit reports, risk assessments, and investor material
.
· Assist in structuring and drafting
offer letters, term sheets, and credit proposals
.
· Support the
facility documentation process
, ensuring accuracy and compliance with policy guidelines.
· Liaise with external
legal consultants and security document custodians
as required.
· Review and monitor
floorplan dealer credit limits
, ensuring adherence to risk frameworks.
· Identify
early warning signals
of potential risk deterioration and implement control and
mitigation strategies
.
· Assist in the
settlement process
by reviewing payment recommendations and ensuring compliance to asset management policy
· Collaborate with
risk and external audit partners
to track portfolio performance.
· Work closely with
Business Development Managers (BDMs)
to ensure a deep understanding of dealers' financial positions.
· Provide clear and effective communication to internal and external stakeholders regarding loan structures and credit outcomes.
· Manage
PPSR
registration process for new facilities
COMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS
· Desire to develop experience in working capital specific finance roles
· Previous work experience in a Credit specific position required (previous floor plan experience highly desirable)
· Degree in Commerce, Business, Accounting or a related discipline.
· Ability to assist Credit with review and structure dealer facilities
· Develop credit risk framework skills
· Develop legal understanding of facility activation process
· Develop the ability to work autonomously within a team setting
· Time management & organisational Skills
· Personable and ability to work in a team is essential
· Communication skills (written & verbal)
· Problem Solving/Logical
· High attention to detail
· Use of initiative to solve problems
· Microsoft Office & Excel Skills
· Integrity