Our Client

Our client is a growing financial services business with a strong focus on supporting Australian businesses through a range of commercial lending solutions.

Operating in a fast-paced, progressive environment, the business continues to grow and offers Credit Analysts the opportunity to work exclusively across business lending, rather than splitting their time between consumer and commercial credit.

This is an excellent opportunity for someone with existing commercial or SME lending experience who wants to deepen their exposure to business credit, work across a variety of lending scenarios and join a strong team.

The Role

Reporting to an exceptional Credit Manager, you will be responsible for assessing commercial and SME lending applications, working across products including Line of Credit and Asset Finance.

This is a genuinely commercial credit role. You will analyse bank statements, financial statements and supporting information, identify key credit risks and prepare structured credit recommendations in line with lending policy and risk appetite.

You will also work closely with BDMs, internal relationship teams, customers and brokers to understand transactions, clarify information and help structure appropriate commercial lending solutions.

Key responsibilities will include:

• Assessing commercial and SME lending applications
• Analysing bank statements, financial statements and cash flow
• Identifying key credit risks and documenting findings
• Preparing structured credit recommendations
• Working within DLA where applicable, or escalating for approval
• Structuring commercial lending solutions in line with credit policy
• Working across a variety of products including Asset Finance and Line of Credit
• Partnering with BDMs and internal stakeholders on transaction assessment
• Communicating directly with customers and brokers where required
• Ensuring applications meet underwriting and documentation standards
• Contributing to ongoing process improvement within the credit function

Why Should You Apply?

One of the biggest attractions of this role is the manager.

I have placed multiple people under this manager, and the feedback has been consistently excellent. Everyone I have placed into their team has genuinely enjoyed working for them. They are supportive, approachable, technically strong and someone who invests in their people.

The role also gives you the opportunity to build your career specifically in commercial and business lending. You will be assessing Australian businesses, understanding cash flow, analysing financials and working across genuine commercial lending transactions.

Other benefits include:

• Permanent position
• 3 days in the office / 2 days WFH
• 100% business and commercial lending exposure
• Excellent Credit Manager with a proven track record of developing people
• Exposure across Asset Finance and Line of Credit products
• Fast-paced and growing business
• Strong interaction with BDMs, brokers and customers
• Opportunity to broaden your commercial credit capability