Analyst, Wholesale Credit at Angle Auto Finance

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

14 Jan, 26

Salary

0.0

Posted On

16 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Analysis, Risk Assessment, Communication Skills, Negotiation Skills, Team Collaboration, Business Acumen, Automotive Industry Awareness, Data Analysis, Stakeholder Engagement, Credit Policy Compliance, Portfolio Management, Customer Relationship Management, Report Delivery, Template Standardization, Counterparty Risk Assessment

Industry

Financial Services

Description

Purpose; The Wholesale Credit Analyst is responsible for assessing the creditworthiness of businesses and commercial clients seeking financing or credit services from a financial institution. The role involves analysing financial statements, assessing risk, and providing recommendations on credit decisions. In this role you will have the opportunity to grow your knowledge of Wholesale Credit through supporting lending decisions, ensuring compliance with credit policies and mitigating potential risks and delivery of reports for all varying levels of stakeholders, standardisation of tools & templates for the Wholesale Credit team. Responsibilities; Leverage available data to provide quality and professional risk analysis on all new, existing, and proposed counterparty transactions for credit. Partnering with the sales channel and engaging directly with customers in a productive and relationship focused manner. Add value and meaningful guidance in deal discussions and negotiations with Commercial teams and customers. Collecting, reviewing, and evaluating periodic financial data and wholesale audit performance data. Assessing counterparty behaviours relating to credit limit utilisation (bailment), stock aging profile, payment performance. Administration of account excesses (temporary over limits). Contributing to the ongoing maintenance of wholesale portfolio hygiene which involves regular assessment and review of counterparty risk ratings. Supporting and strengthening the risk culture throughout the business. Qualifications; Bachelor’s degree in Business, Economics, Law, or a related field. Working towards or completion of CPA / CA / CFA preferred. Experiences; Credit experience in Wholesale Automotive, Financial Services or Commercial Banking Commercial lending experience preferred. Sound credit and financial analysis skills. Effective business acumen and Automotive industry awareness Proven ability to operate efficiently within a team environment and build lasting relationships externally and internally within the Group. Advanced communication, influencing and negotiation skills. Proficient in MS 365 Office Suite (in particular PowerPoint, Excel) Employee Benefits We have a long list of benefits to suit your needs. On the clock, and off it. Here are a few favourites. Birthday leave: Enjoy a day off on your birthday, because you deserve it. Health and wellbeing leave: Take some well-deserved ‘me’ time, because your health comes first. Volunteering day: Make an impact with a day dedicated to giving back to the causes you care about. $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support tailored to your work setup. Recruitment referral program: We want to find and hire the best talent in the market, and we want to reward you with a payment of up to $5,000 for helping us identify and personally endorse high-calibre candidates you believe would be a great fit to come and work for us. Employee rate program: When you’re part of the Angle Auto Finance team, you’ll gain access to our best auto finance rates with your next car purchase—just another way we’ve got your back. Paid parental leave: Be there for life’s most important moments with time to support your growing family. SPARK: The employee benefits program that gives you everything from discounts to wellbeing support. Purchased annual leave: Gain extra flexibility by purchasing additional leave. Diversity flex leave: Our people have the flexibility to observe culturally significant days by choosing an alternate day that better aligns with their cultural values. We'd love to hear from you Select the 'Apply' button above to send your resume through to the Talent Acquisition team. Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law. Angle Auto Finance is an Australian-based non-bank lender, delivering automotive finance from a different angle – offering choice and flexibility, to enable Australians to realise their dreams. Our culture pillars represent our true strength and the things we can continue to build to get better. They describe what is unique and central to Angle Auto. The things we can’t afford to lose, our true strengths that we must continue to build on. There are no passengers here. Just a group of like-minded people working together to make a positive impact. We take pride in our work and doing things the right way. The road might not always be smooth, but doing your best work in an environment that supports your drive is truly rewarding. Our industry doesn’t stand still. And neither do we. With one eye firmly on the future, we’re igniting new ideas and ways of working that drive us all forward.

Responsibilities

The Wholesale Credit Analyst assesses the creditworthiness of businesses and commercial clients seeking financing. This role involves analyzing financial statements, assessing risk, and providing recommendations on credit decisions.