Senior Credit Analyst Job at Randstad (Wollongong)

Job Description

This is a rare opportunity for a Senior Credit Analyst who thrives on financial analysis, risk management, and strategic growth to join our team in the heart of Wollongong. Are you looking to advance your finance career without having to travel to Sydney? You'll manage a diverse portfolio, requiring expertise in both Consumer and Commercial lending to support our client's strategic risk management and credit operations. You'll step into a critical role in the credit life-cycle, from initial assessment to presenting recommendations, backed by strong leadership and a culture that values ambition, inclusion, and success.

Job Responsibility

Critically evaluating business financials, including P&L, balance sheets, tax returns, and cash flow
Using sophisticated credit models to accurately score business applicants and clients for credit facilities
Ensuring all activities align with the Australian regulatory environment, specifically NCCP and Responsible Lending obligations
Preparing detailed credit memos and presenting structures, terms, and conditions to senior management and credit committees
Working closely with Sales and Enablement teams to assess risk and provide advice on ad hoc credit queries
Contributing to the continuous improvement of credit policies and supporting the Chief Risk Officer with reporting requirements

Requirements

Minimum of 3+ years in credit analysis across both consumer and commercial lending sectors
Bachelor's degree in Accounting (preferred), Finance (preferred), Business, or Commerce
Well versed in Australian consumer credit laws and regulations
Advanced ability to interpret complex financial data and proficiency in MS Word and Excel
Excellent written and verbal skills for report preparation and stakeholder presentations
Superior attention to detail, strong problem-solving skills, and the ability to multitask in a disciplined, in-office environment

What we offer

Work right in the heart of Wollongong, no Sydney commute required
Performance based incentives
Clear opportunities to contribute to policy development and support the Chief Risk Officer
Work closely with Sales, Enablement, and senior management in a disciplined, process-driven environment
9:00 AM to 5:30 PM, Monday to Friday

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Senior Credit Analyst

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