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About the Role

As a Credit Analyst, you'll be a crucial part of our customers' journeys, carefully reviewing credit applications from both customers and brokers. With a keen eye for detail, you'll look at bank statements, financial documents, and other key information to help determine each applicant’s creditworthiness and suggest the right lending options. Your expertise will not only help us manage risk, but also contribute to outstanding outcomes for our customers.

Responsibilities

Review and assess commercial credit applications by analyzing financial statements, bank records, and other important data
Connect with applicants and brokers over the phone to gather information and discuss loan requirements
Deliver accurate and thorough credit assessments, recommending lending limits that fit Shift’s approach
Make sure every customer application is matched with the right products and services
Keep detailed records of risk factors and ways to manage them, supporting confident decision-making
Develop strong relationships with internal teams, customers, and brokers to support business growth
Follow credit underwriting guidelines and compliance standards, and maintain accurate data in our systems
Team up with Relationship Managers and Sales teams, offering support, coaching, and mentorship
Look for ways to improve our processes and service, helping the whole team work more efficiently

Requirements

Previous experience with Delegated Lending Authority in commercial or business lending
Strong business sense, with a solid grasp of the SME market
A proven ability to deliver excellent customer service
Experience analyzing commercial credit through financial and bank statements
A sharp, analytical mindset with great attention to detail
Background in risk or analytics roles, or experience with finance products in point-of-sale settings, is a plus but not required
Fantastic communication skills and the ability to build lasting relationships
A dedication to compliance and ensuring data accuracy

Skills

Financial statement analysis
Bank record analysis
Credit assessment
Risk management
Relationship building
Compliance
Data accuracy
Communication

Location

North Sydney

Work Type

Hybrid

Experience Level

Mid-level

Benefits

Collaborative teams
Be involved in product and technology roadmap and business strategy sharing every 100 days
Flexible work policy
Industry leading 26 weeks paid parental leave
Purpose built spaces within our office
Range of benefits supporting physical, psychological and financial wellbeing
Day off on your birthday
Excellent end of trip facilities

About the Company

Shift is a business specialist 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.
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.