Senior Commercial Credit Analyst at LUMI MORTGAGE PTE LTD

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

15 Jul, 26

Salary

0.0

Posted On

16 Apr, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial credit analysis, Decisioning, Risk mitigation, Credit calls, Mentoring, Coaching, Financial analysis, Relationship management, Data collection, Time management, Attention to detail, Problem-solving, Communication, Leadership

Industry

Financial Services

Description

Company Description WHO IS LUMI? We are a fast-growing non-bank lender that provides business loans and lines of credit to small medium-sized enterprises (SMEs). We help Australian businesses achieve sustainable financial success by offering fast, fair, and flexible finance solutions powered by our innovative lending approach. We aim to be the financial catalyst for Australian businesses to thrive, not just survive. 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 ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list. We were awarded the 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 Providing detailed credit analysis of the complex commercial applications. Conduct robust credit calls with Business Loan Applicants to ensure that key risks are mitigated and material assumptions are verified. Make recommendations to Deal Review Committee supported by the credit analysis and credit call that meet policy and quality requirements. Assist leaders with the review of the assessments conducted by junior members of the team ensuring that the minimum required quality is met. Provide timely feedback to junior credit analysts to assist with upskilling and improvement of the Credit team. Building and maintaining effective relationships with the members of the Sales team. Assist Credit leaders in upskilling Sales team by delivering constructive feedback on the quality of the credit submissions and data collection. Qualifications THIS PERSON IS SOMEONE WITH… Commercial credit experience in decisioning deals up to $5 million. Prior experience holding significant delegation - this is a must! Experience in coaching and mentoring junior credit analysts. Demonstrated initiative, drive and enthusiasm. Excellent organisational and time management skills. High attention to detail. Strong ability to build relationships and act as a true team player. 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: Rapid advancement opportunities, higher education sponsorship, hackathons

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Responsibilities

The role involves conducting detailed credit analysis for complex commercial applications and performing credit calls to mitigate risks. Additionally, the analyst will assist in reviewing assessments by junior team members and provide feedback to support their professional development.