About the Role
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We are seeking an experienced Credit Analyst to join our team. As a Credit Analyst, you will be responsible for assessing and mitigating financial risk associated with consumer and commercial automotive loan and unsecured personal loan applications.
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Key Responsibilities
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* Analyse loan applications to assess creditworthiness using various 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, lending guidelines and conduct quality reviews of customer identification.
* Communicate effectively with team members and internal stakeholders.
* Provide clear and concise explanations of credit decisions and requirements to external stakeholders.
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Requirements
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To be successful in this role, you will need:
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* A proven experience of at least 4+ years of delegated lending authority.
* A 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.
* Experience in credit analysis, loan processing or risk management is essential.
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Competencies & Skills
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You will need to possess strong analytical and problem-solving skills, excellent attention to detail, knowledge of financial analysis and credit risk assessment, familiarity with relevant Australian lending regulations and strong communication skills.
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