Corporate Credit Analyst

Role Overview

• Undertake financial analysis and modelling for new and existing clients across key sectors such as Agriculture, Construction, Transport, Industrial, Healthcare, Energy Transition, Office equipment and Tech Finance.
• Liaises with all back office functionalities, sales/account management, credit/risk management, legal and asset management, together with relevant third parties.
• Collect customer/vendor information utilizing applicable systems and procedures and assess completeness and topicality of information.
• Analyse risk (financial, asset, market, security, legal and contractual), review and re-rate customers/end users, local vendors or local dealers.
• Write credit application reports, decide on end-user credit applications and local vendor/ dealer agreements within given authority level, make sound recommendations and present applications to higher Credit decisioning authorities including local and global Credit Committees.
• Advise, prepare and participate in local Credit Committee on decision making regarding end-user credit applications and local vendor/dealer agreements within given authorization level.
• Monitor, coordinate and advise on credit/risk profiles, corporate/external policies, regulations and sales mandates in co-operation with departments involved.
• Contribute to the development of local credit and risk management policies, regulations and guidelines.
• Provide information, support, training and align front
• and back-office parties on credit and risk management policies, processes and issues.

Requirements

• Degree in accounting, finance, commerce or related field.
• Must have atleast 5 years of relevant experience in asset / equipment finance with a DLA held of at least AUD 1.5 million
• Advanced financial Analysis skills.
• Understanding of Vendor-based and Dealer-based asset finance partnerships, including both strategic commercial objectives and risk management principles.
• Understanding of documentation, security, and legal processes, including expert level of PPSR understanding and application.
• The key to success in this role is your ability to analyse the risks and rewards in Vendor, Dealer and Customer relationships, and effectively communicate those risks and rewards in a well-written, professional Credit Application.
• Strong ability to effectively communicate with internal and external customers.
• Excellent comprehension, written and verbal communication skills.
• Ability to organise and prioritise work to assist the Credit team in meeting its objectives.
• Ability to manage multiple tasks and deadlines.
• Flexibility – Ability to remain focused despite changing priorities.
• Ability to handle high work volumes and respond to requests on a timely basis.
• Consultative approach to working with all stakeholders – team player.
• Ability to negotiate and solve problems to respond to internal and external customer requests promptly and correctly.
• Strong ability to share business and risk knowledge with other DLL members, in order to build a culture of risk management balanced with commercial objectives.
• Creative problem solver with an adaptive approach.
• A lifelong learner, able to self-motivate and work autonomously in a fast-paced environment.

Benefits

• Two working days per year volunteering for a local charity.
• Health and Wellness program including healthy food, free health checks, fun health & vitality activities.
• Flexible hours with possibility to work from home
• Career development opportunities: online learning, member development programs.