Commercial Credit Analyst

The role

You will review and assess commercial credit applications by analyzing financial statements and bank records. You will connect with applicants and brokers to discuss loan requirements and recommend lending limits.

What you will do

• Review and assess commercial credit applications by analyzing financial statements, bank records, and other important data
• Connect with applicants and brokers over the phone to gather information and discuss loan requirements
• Deliver accurate and thorough credit assessments, recommending lending limits that fit Shift’s approach
• Make sure every customer application is matched with the right products and services
• Keep detailed records of risk factors and ways to manage them, supporting confident decision-making
• Develop strong relationships with internal teams, customers, and brokers to support business growth
• Follow credit underwriting guidelines and compliance standards, and maintain accurate data in our systems
• Team up with Relationship Managers and Sales teams, offering support, coaching, and mentorship
• Look for ways to improve our processes and service, helping the whole team work more efficiently

Required qualifications

• Previous experience with Delegated Lending Authority in commercial or business lending
• Strong business sense, with a solid grasp of the SME market
• A proven ability to deliver excellent customer service
• Experience analyzing commercial credit through financial and bank statements
• A sharp, analytical mindset with great attention to detail
• Fantastic communication skills and the ability to build lasting relationships
• A dedication to compliance and ensuring data accuracy

Nice to have

• familiarity with non-traditional data
• Background in risk or analytics roles, or experience with finance products in point-of-sale settings

Benefits

• Hybrid working
• Parental leave: up to 26 weeks paid
• Strategy Week: twice a year the whole team comes together to hear the business strategy and product and technology roadmap first-hand
• Flat structure
• Benefits supporting your physical, psychological and financial wellbeing
• A day off on your birthday
• end of trip facilities

About the company

Shift provides business finance to small, established and corporate sized businesses in Australia. Founded in 2014, Shift has funded more than 30,000 Australian businesses.