Credit Manager

Shift has a 10-year history of solving complex problems for Australian businesses. As a Credit Analyst you will be an important part of the customer journey and will work closely with a range of customers and brokers to assess credit applications using bank statements, financial statements and other resources to determine credit worthiness of applications. Your enthusiasm and drive will lead to continued success in identifying customer needs and recommending a variety of products to service those requirements. You will be partnered with relationship specialists to provide a unique customer experience to business customers both at acquisition and throughout their life cycle. Duties & Responsibilities: Communications & Engagement: Work in partnership with Relationship Managers, Sales teams and Customer Solutions specialists to identify and structure credit solutions for business customers both at acquisition and through the life of the borrower. Conduct phone interviews with applicants and brokers to discuss loan applications and negotiate key criteria to ensure Shift’s position is not compromised. Build meaningful relationships with peers, internal stakeholders and other teams to support business performance and maximise Shift’s value proposition. Clearly communicate required questions to customers and brokers, and communicate final decisions in a professional manner. Support Relationship Managers, Sales teams and Customer Solutions specialists and brokers to workshop transactions and conduct account reviews to ensure the best solutions are achieved within guidance and appetite. Financial Analysis: Perform financial analysis of customer bank statements and financials to recommend or approve limits aligned with Shift’s credit approach and lending appetite within delegated lending authority. Accurately record key risk factors within credit assessments to identify risks and provide mitigation to support decision-making. Conduct detailed assessment of an applicant’s profile, industry risks and financial position from available information. Ensure correct products and services are applied to customer applications. Prepare sound credit assessments for recommendation to higher delegation holders for decision. Compliance: Adhere to Shift’s Credit Underwriting standards and guidelines and comply with policy and standards regarding reporting and documentation. Ensure data integrity in all core systems. Maintain all compliance training up to date. Stakeholder Engagement & Continuous Improvement: Provide coaching and support to Relationship Managers and Sales teams to support their upskilling. Identify potential process or service enhancements to improve team outputs. Experience & Qualifications required: Experience assessing commercial credit based on financial statements, bank statements and non-traditional data. Experience working with data in a risk or analytics role is advantageous but not essential. Experience with finance products embedded in a point‑of‑sale environment is advantageous but not essential. Attention to detail underpinned by intuitive investigative skills and the ability to make logical decisions. Ability to communicate respectfully and succinctly with external and internal stakeholders. Tertiary qualifications preferred. Previously held DLA for commercial / business lending . Business acumen and sound knowledge of the SME market. #J-18808-Ljbffr