Credit Analyst | Specialist Lending
Are you a lending professional who enjoys solving complex credit scenarios and structuring deals that others can't?
We're partnering with a respected finance business seeking an experienced Credit Analyst to play a critical role in assessing, structuring and supporting a high volume of full-doc and low-doc lending applications.
Working closely with brokers, you'll act as the credit expert behind the scenes, helping secure positive lending outcomes across a broad panel of lenders.
This is an ideal opportunity for someone who thrives on policy interpretation, credit strategy and deal structuring rather than client-facing sales activities.
- What You'll Be DoingAssessing and structuring both full-doc and low-doc lending applications
- Analysing complex lending scenarios and identifying solutions
- Working closely with brokers to provide credit guidance and structuring support
- Maintaining a deep understanding of lender policy across approximately 20 financiers
- Monitoring policy updates and applying changes effectively to lending scenarios
- Liaising directly with bank credit teams to negotiate and advocate for lending outcomes
- Preparing and presenting well-supported credit submissions
- Challenging credit decisions professionally where appropriate to achieve the best possible outcome for clients
- What We're Looking ForStrong experience in credit analysis, loan assessment or lending operations
- Excellent understanding of lender policy, particularly within the low-doc lending space
- Proven ability to structure complex lending transactions
- Strong analytical, problem-solving and decision-making skills
- Exceptional attention to detail and organisational ability
- Confident communicator with the ability to engage directly with bank credit teams
- Ability to influence and negotiate outcomes while maintaining strong professional relationships
- Process-driven, methodical and highly consistent in your approach
- Someone who enjoys working behind the scenes and providing technical expertise rather than managing client relationships
- A long-term interest in credit and lending rather than pursuing a broker pathway in the near future
ABOUT THE ORGANISATION
A Specialist Finance organisation requires a Banking & Lending Associate with a flair for Client Relations to join their Financial Services team.
ABOUT THE ROLE
- Ensuring superior levels of service to our specialist clients with a high level of efficiency, accuracy, and professionalism.
- Maintaining a high benchmark in service delivery by phone and email to new and legacy clients
- Strong knowledge of banking and lending practices with a focus on compliance, regulation and internal procedures.
- Sound knowledge of Lending process not limited to processing drawdowns, settlements, rate adjustments and loan management
- Develop a strong level of product knowledge for all products and services with the ability to articulate your knowledge to Clients.
- Preparation and processing of corporate cards, merchant facilities and bank guarantee applications for assessment by the approving manager.
- Quality Control and management of client registers, internal databases and investor data.
- Typical functions include Processing withdrawals/deposits, Opening/Closing Loans, setup of sweep accounts and Payment Investigations
- Vigilance across AML and KYC risks - requiring strong Attention to Detail with a focus of the role being alertness to potential frauds
ABOUT YOU
- Banking & Lending experience in a client focused and service position involving both Retail and Business Organisations.
- Excellent Client Relationship skills including the personality address sensitive issues and relationships with tact and care
- Sound knowledge of the financial services industry with enthusiasm to learn about regulatory and compliance landscape
- Ability to multi-task and be highly adaptable to change with a willingness to work in a cohesive team environment
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