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Credit analyst

Melbourne
FinTalent
Credit Analyst
Posted: 13 December
Offer description

Why this role matters

This credit team sits at the heart of a growing finance group that brings three high performing businesses together under one roof.

That means daily exposure to brokers, credit specialists and operational teams who share knowledge freely, bounce ideas off each other and bring genuine energy to the office. It is a place where you walk in and feel the rhythm of deals moving, problems being solved and people learning from each other.

The employer is intentional about building a culture where technical skill, curiosity and open conversation are valued. Credit is not treated as a back office function. It is seen as a core driver of client outcomes and business performance.

If you enjoy understanding the story behind each scenario, unpacking complex structures and crafting thoughtful recommendations, this is the kind of environment that will accelerate your development.

This role suits someone who enjoys being part of a close, in office team. Someone who learns through real conversations, whiteboard sessions and working side by side with senior credit minds who want to help you grow. You are not just processing files. You are contributing to credit strategy, structure and quality across the group.


What you will be doing

* Assess residential and complex lending scenarios including trusts, companies, SMSF, commercial and investment structures
* Interpret financial statements, tax returns, distributions and multi entity income
* Prepare clear, high quality credit submissions and recommendations
* Partner with senior credit staff on structures, scenarios and problem solving
* Liaise with brokers, clients and lenders to gather information and progress applications
* Maintain a high standard of compliance, accuracy and file quality
* Play an active role in a collaborative and supportive team environment


About you

* Experience in credit assessment, lending support or mortgage operations
* Confidence reading tax returns, identifying add backs and analysing cash flow
* Strong understanding of borrower structures and financial documents
* High attention to detail and a calm, solutions focused mindset
* Clear communicator who builds trust with colleagues, brokers and clients
* Looking for long term stability with room to grow your technical capability


What is on offer

* A vibrant in office culture where three connected businesses operate side by side and share knowledge daily
* Exposure to high quality scenarios that sharpen your judgment, structure and analytical depth
* Senior credit professionals who mentor, support and push you to grow
* A culture of learning, development and performance without ego
* Clear pathways across credit and operations as the group continues to scale
* Competitive full time salary of $85,000 to $100,000 plus super, aligned to experience
* Additional benefits and ongoing development opportunities available for discussion


Culture and team

The employer is known for creating a grounded, team first environment. People look out for each other, celebrate wins together and take pride in accurate, thoughtful work. The office is collaborative, energetic and designed to support real learning. If you value being surrounded by capable people who bring their best each day, you will feel right at home.


How to apply

If this role feels aligned to the way you like to work and the direction you want to grow, submit your resume or reach out in confidence for a conversation.

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