Balmain Canberra, Australian Capital Territory, Australia
Credit Analyst (Origination)
At Balmain we provide an array of financial services which satisfy all of our client's financial requirements under one brand. We build long-term relationships with our business partners, to continue to provide a high level of service to clients and lenders whilst providing a challenging and rewarding environment for staff. We understand that the collective efforts of our people hold the key to our success.
PRIMARY ROLE
Part of the Origination Team, the Credit Analyst (Origination) is primarily responsible for supporting the key functions for the Canberra based Origination team, namely TMB Finance Solutions Pty Ltd.
In this role, you will be responsible for preparing information to aid the Originator in assessing loans including modelling, feasibility studies, credit submissions and other assessment activities as well as portfolio management, and regular reporting and communication with those in the Origination team. The Credit Analyst will also liaise with other Balmain business units as required.
The Credit Analyst will be responsible for assisting the Origination team in supporting the clients and aiding in understanding their financial position and performance.
RESPONSIBILITIES
1. Assist the Originator in the origination of loans from initial inquiry, approval and loan settlement.
2. Preparing quality credit submission papers with financial and risk analysis.
3. Financial modelling of clients’ accounts to assess income and affordability.
4. Preparation of feasibility and funding studies to analyse project viability.
5. Liaise with internal and external stakeholders throughout the origination process as required.
6. Weekly update and tracking of existing transactions.
7. Management of the Origination team’s portfolio with view to client retention, including loan renewals.
8. Ensure that loan renewal, annual review and condition subsequent deadlines are met.
9. Develop and maintain an in-depth knowledge and understanding of Balmain’s internal funding programmes, policies, processes and procedures.
10. Maintain a good knowledge of the commercial real estate funding market including banks, non-banks, institutions and private debt funds.
11. Dealing with routine queries received from clients, investment managers, third parties.
12. Completion of all administration requirements in relation to the loans you manage within your team, including database management.
13. Attendance at regular Balmain company and analyst meetings in addition to lender information meetings which are scheduled from time to time.
14. Referring business opportunities to the originator as they arise through existing clients, referrers and wider network.
15. Supporting team members to maximise the efficiency and effectiveness of the team.
COMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS
1. No less than 2-3 years’ experience in real estate specific banking and finance roles or real estate.
2. The ability to review, analyse and structure commercial development and investment loans from initial origination stage to financial close.
3. Have a strong understanding of development finance and the construction process.
4. Understand credit risk framework.
5. Working knowledge of commercial loan settlements and sound understanding of settlement process.
6. The ability to work autonomously in a team setting.
7. Time management & organisational skills.
8. Personable and ability to work in a team.
9. Strong communication, in both written and verbal forms.
10. High level of accuracy and attention to detail.
ABOUT US
Seniority level
Entry level
Employment type
Full-time
Job function
Finance and Sales
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