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About the Role

The Credit Analyst evaluates the financial background and creditworthiness of applicants for auto loans and lease financing. This role utilizes financial data and credit reports to make informed loan approval recommendations, directly impacting the company's risk management and profitability.

Responsibilities

• Review and analyze loan applications, including credit reports, income statements, and financial documents.
• Assess applicant repayment ability based on credit history, income, employment stability, and debt-to-income ratio.
• Identify potential red flags or high-risk applicants and escalate for further review.
• Make loan application recommendations based on assessments while adhering to policies and guidelines.
• Collaborate with sales, operations, and underwriting teams to ensure a positive customer experience.
• Ensure all assessments are conducted with appropriate research and reflect current policies and standards.

Requirements

• Prior credit underwriting experience.
• Strong understanding of financial statements, credit reports, and risk assessment tools.
• Excellent attention to detail and analytical skills.
• Strong communication skills for liaising with clients and internal teams.
• Proficiency in Microsoft Excel, financial modeling, and analytical tools.

Skills

• Credit underwriting
• Financial analysis
• Risk assessment
• Microsoft Excel
• Financial modeling
• Communication

Experience Level

• Prior credit underwriting experience is essential.
• Exposure to consumer and commercial lending is preferred.
• Auto finance industry experience is highly regarded.

Education Level

• Bachelor’s degree in finance, accounting, economics, or related field preferred.

Benefits

• Birthday leave
• Health and wellbeing leave
• Volunteering day
• $500 ergonomic equipment reimbursement
• Recruitment referral program with up to $5,000 payment
• Employee rate program for auto finance
• Paid parental leave
• SPARK employee benefits program
• Purchased annual leave
• Diversity flex leave

About the Company

• Angle Auto Finance is an Australian-based non-bank lender delivering automotive finance.
• The company focuses on offering choice and flexibility to enable Australians to realize their dreams.
• The company culture emphasizes teamwork, pride in work, and continuous innovation.

Equal Opportunity

• Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce.
• The company ensures equal employment opportunities without discrimination or exclusion based on cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law.