Join to apply for the Senior Retail Credit Risk Analyst role at CNH.
Overview
Join our dynamic team as a Senior Retail Credit Analyst in St Marys, NSW, where you’ll lead responsible lending decisions that support customers and business growth. You’ll bring strong technical experience in credit analysis and decision-making, mentor others, and act as a subject matter expert across the credit function. You’ll lead on complex applications, financial statement reviews, and key account facility assessments, shaping portfolio-level insights and credit strategies. You’ll work with internal stakeholders, brokers, and legal counsel to ensure deals are well-structured and compliant. You’ll interpret trends, develop risk-based tools like credit scorecards, and drive system improvements to enable smarter decisions at scale.
Key Responsibilities
- Assess and underwrite equipment finance applications in line with credit policies and authority levels
- Conduct financial analysis and prepare detailed credit submissions for retail and key account customers
- Analyze portfolio trends to identify and mitigate credit and capital risk exposure
- Recommend alternative finance structures to achieve optimal outcomes for the business and customers
- Review and maintain credit limits, conditions, and securities for key account facilities
- Ensure compliance with credit policies, legal, regulatory and privacy requirements
- Liaise with legal counsel to prepare and finalise security documentation
- Collaborate with collections to identify and escalate early signs of financial difficulty
- Contribute to credit scorecard development, system testing, and credit risk reporting
- Provide support and coaching to internal stakeholders on credit policy, risk and compliance
- Champion continuous improvement and high-quality credit standards across the team
- Maintain strong stakeholder relationships and uphold ethical decision-making in all activities
Experience Required
- Minimum 5 years of experience in financial services, asset finance or a senior credit underwriting role
- Strong financial acumen with demonstrated expertise in interpreting and analysing financial statements
- Proven ability to lead, mentor and influence others across cross-functional teams
- Strong relationship management and interpersonal skills
- Effective time management and organisational skills
- Confident with computer systems and able to learn new platforms quickly
- Excellent written and verbal communication skills with the ability to present to senior stakeholders and committees
- Deep understanding of credit risk, compliance and legislation
- Skilled in using credit decisioning systems and developing risk-based tools and processes
- Tertiary qualifications in banking, finance, accounting or commerce are highly regarded
About Us
CNH is a world-class equipment and services company dedicated to advancing the noble work of agriculture and construction workers. Driven by our shared purpose of Breaking New Ground, we are passionate about bringing Innovation, Sustainability, and Productivity to all that we do. As a global company, CNH’s 37,000+ employees form part of a diverse and inclusive workplace, focused on empowering customers to grow, and build, a better world through our core brands including Case IH, New Holland, Horwood Bagshaw, K-Line Ag and Flexicoil.
We are proud to be a certified Great Place to Work, showcasing our commitment to fostering a positive and inclusive workplace culture.
What We Offer
We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.
Benefits
- Opportunity to develop your skills in a dynamic environment
- Competitive base salary and performance incentives
- Retail & health insurance discounts
- Paid parental leave
- Novated leasing
Job details
- Seniority level: Mid-Senior level
- Employment type: Full-time
- Job function: Finance and Sales
- Industries: Machinery Manufacturing
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