Senior Credit Analyst

• Coordinating the underwriting of commercial loan applications upto an exposure of $1mil
• Bank statement analysis for up to $500K & Financial statement analysis for upto $1mil
• Providing in-depth detailed analysis of financial statements, industry risk, and credit risk
• Presenting deals to Credit Committee with a comprehensive understanding of the risk and associated mitigants in each transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
• Conduct credit calls with clients and relevant stakeholders to collect additional information relevant to the proposed transaction
• Liaising with stakeholders in other areas of the business to provide scenario and deal workshopping support
• Preparing clear, thorough and informative credit papers for each application
• Comply with internal controls and government regulations

• Minimum 3 to 5 years underwriting / Credit analyst experience required
• Bachelor’s degree in finance, accounting, or related field desirable but not necessary
• Previously held a DLA (delegated lending authority)
• Experience in commercial lending
• Experience with business financial documents such as Profit & Loss, Balance Sheets, AR/RP
• Strong credit risk acumen and commercial judgement
• Familiarity with personal and company credit reports, ASIC searches, and other various background information

Experience with property secured lending is advantageous

• Learning days
• Learning allowance
• Leadership programs
• CliftonStrengths workshops
• Digital learning
• Biannual companywide learning weeks
• Fitness initiatives
• Seasonal programs (including flu shots, massages, skin checks, wellness classes)
• Additional "Me Days"
• Access to holistic EAP coaching
• Flexible working options
• Top notch office facilities
• Diverse remote/ travel work options
• Purchase additional leave
• Up to 18 weeks paid parental leave
• Volunteer days
• Partnership with Kiva
• Employee resource groups