Credit Analyst

Description:

Senior Credit Analyst - Asset Finance
Salary: Competitive and based on experience

Location: Sydney

This role offers the opportunity to assess the creditworthiness of potential clients and manage risk associated with financing transactions. The ideal candidate will have experience in evaluating credit applications related to asset-based lending, with a keen understanding of industry-specific risk factors and market trends.

What you'll do:
As a Credit Analyst specialising in Asset Finance, you will play a pivotal role in assessing the creditworthiness of potential clients and managing the risk associated with financing transactions. Your expertise in evaluating complex credit applications related to asset-based lending will be crucial in this role. You will work closely with various teams within the organisation to structure financing solutions that meet client needs while aligning with the organisation's risk appetite. Your ability to present complex financial information clearly and concisely will be essential as you present your recommendations and findings to senior management.

Conduct thorough credit analyses of prospective clients applying for asset finance, evaluating their financial statements, credit history, and business operations to assess risk.
Analyse the underlying collateral, including equipment, machinery, and other tangible assets, to determine their value and liquidity.
Develop detailed financial models to forecast cash flows, assess debt service coverage ratios, and evaluate the impact of various financing structures on client portfolios.
Collaborate with Relationship Managers, Sales Teams, and Underwriters to structure financing solutions that meet the needs of clients while aligning with the organisation's risk appetite.
Present credit recommendations and findings to senior management, highlighting key risk factors, mitigating strategies, and opportunities for portfolio growth.
Monitor existing asset finance portfolios, performing periodic reviews to assess credit quality, identify potential risks, and recommend appropriate remedial actions when necessary.

What you bring:
The ideal candidate for the Credit Analyst role will bring a wealth of experience in credit analysis, specifically within asset finance, leasing or commercial lending. You will have a strong understanding of financial statement analysis, cash flow modelling and risk assessment methodologies. Your ability to evaluate the quality and marketability of collateral through asset valuation techniques will be crucial. Excellent communication skills are essential as you will be presenting complex financial information to diverse audiences. A proven track record of making sound credit decisions, managing credit portfolios and mitigating credit risk effectively is required.

Bachelor's degree in Finance, Accounting, Economics or a related field; Master's degree or CFA designation preferred.
Minimum of 2 years of experience in credit analysis specifically within asset finance, leasing or commercial lending.
Proficiency in financial statement analysis, cash flow modelling and risk assessment methodologies.
Strong understanding of asset valuation techniques and the ability to evaluate the quality and marketability of collateral.
Excellent communication skills with the ability to present complex financial information clearly and concisely to diverse audiences.
Proven track record of making sound credit decisions, managing credit portfolios and mitigating credit risk effectively.

What sets this company apart:
Our client is a leading financial institution that specialises in providing tailored asset finance solutions across various industries. They are committed to innovation and excellence, empowering businesses to achieve their goals by offering comprehensive financing options. The company fosters a supportive and inclusive work environment that values diversity and encourages innovation. They offer competitive benefits including health insurance, retirement plans, wellness programs and opportunities for professional development and advancement within the organisation.

Aboriginal and Torres Strait Islander Peoples are encouraged to apply.
To apply please click apply or call Alana Sargant on 02 8289 3195 for a confidential discussion.

Senior Credit Analyst - Asset Finance
Salary: Competitive and based on experience

Location: Sydney

This role offers the opportunity to assess the creditworthiness of potential clients and manage risk associated with financing transactions ...