At a Glance
- Tasks: Assess financials and manage credit risk to support lending decisions.
- Company: Join Finstro, a leader in B2B Trade finance since 2014.
- Benefits: Competitive salary, flexible work environment, and growth opportunities.
- Other info: Dynamic team culture with opportunities for professional development.
- Why this job: Make a real impact in the financial sector while helping businesses thrive.
- Qualifications: Experience in banking or financial services, especially in credit analysis.
The predicted salary is between 77906 - 95218 $ per year.
We’re growing and are looking for a Commercial Credit Analyst to join the team.
You’ll assess financials, manage credit risk, and support lending decisions must have experience in small business and commercial lending.
About us
Finstro has been solving financial challenges within B2B Trade finance since 2014 and served global businesses with over $1 billion in Trade Payments.
Finstro provides a complete cashflow management platform, enabling customer and supplier payments and providing innovative credit-based solutions to help businesses grow.
We are the solution to pay and get paid on terms that suit your business.
Key Responsibilities
- Provide timely and accurate credit assessment of new & existing clients for facility limits up to $100k, appropriate reasoning evident when outside policy.
- Review and interpret financial statements (P&L, balance sheet, cash flow) as part of a loan application, which includes bank statements, government benefits and other financial records to validate business income and expenses as part of a loan application
- Back up for Preparation of Credit Submissions for deal size greater than $100k, including applying for Trade Credit Insurance.
- Management of Client applications, queries and challenges posed by Business Development Managers, Account Managers & Referral Partners.
- Timely registration of PPSR interests for all approved clients
- Preparation & submission of Equifax Alert Files
- Ensure compliance with credit policies and regulations.
- Collaborating with other departments to share analysis findings and support business decisions.
- Validation of all transactions to ensure fraud risk is minimized for both domestic and international transactions.
- Create feedback loop with Credit Manager to identify and address trends in high risk client applications and transaction management.
- Other duties assigned by direct manager.
Experience and Skills Required
- A Bachelor's/College Degree in Accounting, Finance or equivalent preferred
- At least 2-3 Year(s) of working experience in Banking/Financial Services is required for this position specialising in fraud analysis, loan applications and credit analysis.
- Experience within SME credit assessment for Cashflow Finance and or SME lending.
- Advanced interpersonal skills and the willingness to have difficult conversations with internal and external stakeholders.
- Understanding of Equifax and/or other Credit Bureau standards and procedures.
- Experience working for an Australian or any financial institution, an advantage.
- Ability to write credit proposals that serve the interest of all parties involved.
- Excellent written and verbal communication skills.
- Ability to proficiently manage multiple tasks at the same time.
Candidates applying in Sydney, must be in and have full working rights to work in Sydney, Australia.
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Commercial Credit Analyst in Sydney employer: Finstro
Finstro is an exceptional employer for Senior Software Engineers, offering a dynamic and innovative work environment in the heart of Sydney. With a strong focus on employee growth, you will have the opportunity to take ownership of significant projects while collaborating closely with a supportive team. The company fosters a collaborative culture and provides competitive compensation, making it an attractive place for those looking to advance their careers in the fast-paced FinTech sector.
