Shift | Credit Structuring Specialist
Vor 6 Tagen
At Shift, we're business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products.
We believe Australian businesses are the driving force behind our economy and the heart of our community.
That's why our business expertise, relationship focus, and market-leading technology is at the core of everything we do.
Our unique approach and collaborative culture means you can build your career with support.
You'll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for the 25,000+ Australian businesses we've served (and counting)
Job Description Join our dynamic team as a Credit Structuring Specialist, where you'll play a pivotal role in transforming challenges into opportunities
In this exciting position, you'll engage directly with borrowers, assessing their unique situations and crafting tailored solutions to restructure distressed loans.
Your expertise will not only help improve our financial outcomes but also make a real difference in the lives of our clients.
If you are passionate about negotiation and problem-solving, this is your chance to shine and drive meaningful change in our lending strategy
What you'll do:
Identify restructuring/workout candidates based on pre-agreed criteria.
Analyse flagged restructuring opportunities with borrowers to assess borrower outlook and opportunities for improving Probability of Default (PD) and Loss Given Default (LGD).
Recommend strategies for credit approval.
Document revised commercial agreements.
Monitor portfolio segments - Watchlist and Restructured Loans.
Reporting.
Qualifications What you'll bring:
Strong knowledge of accounting principles.
Expertise in assessing financial performance and borrower risk.
Proficient in gathering information through direct borrower interaction.
Skilled in negotiating favorable commercial terms and restructuring agreements.
Experienced in documenting facility restructures.
Excellent verbal and written communication, able to convey complex information clearly.
5-10 years in credit/lending/workout/insolvency, including credit analysis, customer engagement, and documentation.
Creative in developing solutions that minimise losses for the company and support borrowers.
Additional Information Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
Flexible working environment – we're headquartered in North Sydney with state-based workplaces and offer a flexible work policy.
Family support – industry leading 26 weeks paid parental leave.
Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.
Wellness focus – grab a healthy breakfast, snacks and if you like keeping active, we have excellent building facilities to support you.
Positive environment – come together with all your colleagues at Sydney HQ every 100 days to set and collaborate on key cross functional business priorities.
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