Credit Analyst at Lumi

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

04 Jun, 26

Salary

0.0

Posted On

06 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Underwriting, Delegated Lending Authority, SME Credit Assessment, Communication, Risk Appetite, Lending Decisions, Financial Statement Review, Credit Reports, Bank Statement Review, Continuous Improvement, Task Prioritization, Stakeholder Feedback, Problem Solving

Industry

Financial Services

Description

Company Description WHO IS LUMI? We’re a leading Fintech small business lender fuelling growth by making finance more accessible. We deliver fast & flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach. WORKING AT LUMI We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem solvers. We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies’ 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia. We foster a workplace where everyone feels a sense of belonging and respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying. OUR VALUES Egos at the door We own. We don’t judge. We don’t blame. We are open. We are in this together. We are respectful. See the customer We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions. Think lean We make things simple. We are resourceful. We understand the problem. We think ahead. Learn to grow We are curious. We challenge. We try. We fail forward. We learn. We try again. Job Description THE ROLE ● Conduct credit analysis on a broad range of commercial credit applications, including reviewing bank statements, credit reports and financial statements ● Make lending decisions in line with a Delegated Lending Authority (DLA), credit policy and risk appetite ● Work closely with the sales team and liaise with brokers and customers to obtain information for assessment ● Identify areas for improvement and provide feedback to business stakeholders ● Ability to manage high volumes and prioritise tasks Qualifications THIS PERSON IS SOMEONE WITH ● Previous working experience as a Credit Analyst/Underwriter operating within a DLA (Essential) ● Experience with SME credit assessment and an understanding of the SME market (Preferred) ● Excellent communication skills, both verbal and written ● A continuous improvement mindset, embracing change and thriving from it Additional Information PERKS & BENEFITS Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, rooftop BBQs Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions Community Support: Paid volunteer leave, diversity celebrations, company volunteer days Career & Growth: Advancement opportunities, higher education sponsorship, hackathons

Responsibilities

The Credit Analyst will conduct credit analysis on commercial applications by reviewing financial documents and making lending decisions according to policy and authority limits. This role also involves collaborating with the sales team and brokers to gather necessary assessment information and identifying areas for business improvement.