At a Glance
- Tasks: Assess credit applications and recommend lending solutions for Australian SMEs.
- Company: Shift, a leading tech company supporting local businesses.
- Benefits: Flexible work policy, birthday leave, and wellness support.
- Other info: Join a diverse team with a collaborative culture and excellent growth opportunities.
- Why this job: Make a real impact on Australian businesses while growing your career.
- Qualifications: Experience in commercial lending and strong analytical skills.
The predicted salary is between 64350 - 78650 $ per year.
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 are core to our communities. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 30,000 businesses, providing over $6 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses.
About the role: As a Credit Analyst, you’ll play a key role in the customer journey by assessing credit applications from customers and brokers. Using a mix of bank statements, financial statements and other data, you’ll determine creditworthiness and recommend appropriate lending solutions. Your insights will help shape great customer outcomes while managing risk effectively.
What you'll do:
- Assess commercial credit applications by analysing financial statements, bank statements and other relevant data.
- Conduct phone interviews with applicants and brokers to gather information and negotiate loan criteria.
- Provide accurate, quantitative credit assessments and recommend lending limits aligned with Shift’s credit appetite.
- Ensure correct products and services are applied to customer applications.
- Maintain detailed records of key risk factors and mitigation strategies to support decision making.
- Build strong relationships with internal teams, customers, and brokers to enhance business performance.
- Adhere to credit underwriting standards, compliance policies, and ensure data integrity in core systems.
- Support Relationship Managers and Sales teams by providing coaching and upskilling.
- Identify opportunities for process and service improvements to boost team efficiency.
What you'll bring:
- Previous experience holding a Delegated Lending Authority for commercial/business lending.
- Strong business acumen and solid understanding of the SME market.
- Experience assessing commercial credit using financial and bank statements; experience with non-traditional data is a plus.
- Analytical mindset with strong attention to detail.
- Experience in risk or analytics roles or working with finance products in point-of-sale environments is advantageous but not essential.
- Excellent communication and relationship-building skills.
- Commitment to compliance and data accuracy.
Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business. Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy. Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy. Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones. Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.
Commercial Credit Analyst in North Sydney employer: Shift
At Shift, we pride ourselves on being an exceptional employer, fostering a collaborative and inclusive work culture that empowers our employees to thrive. Located in North Sydney, our office offers a flexible working environment, state-of-the-art facilities, and a commitment to employee wellbeing, including industry-leading parental leave. With opportunities for professional growth and a focus on meaningful contributions to Australian SMEs, joining our diverse team means being part of a mission-driven organisation dedicated to making a positive impact.
