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Assess financials, manage credit risk, and support lending decisions for commercial credit.

Provide timely and accurate credit assessment of new and existing clients for facility limits up to $100k, with appropriate reasoning when outside policy.
Review and interpret financial statements (P&L, balance sheet, cash flow), bank statements, government benefits, and other financial records to validate business income and expenses.
Ensure compliance with credit policies and regulations.
Assist in the preparation of credit submissions for deals greater than $100k, including applying for Trade Credit Insurance.
Manage client applications, queries, and challenges from Business Development Managers, Account Managers, and Referral Partners.
Register PPSR interests for all approved clients within two weeks of the approval date.
Prepare and submit Equifax Alert Files.
Collaborate with other departments to share analysis findings and support business decisions.
Validate all transactions to minimize fraud risk for domestic and international transactions.
Create a feedback loop with the Credit Manager to identify and address trends in high-risk client applications and transaction management.
Perform other duties as assigned by the direct manager.

Must have experience in small business and commercial lending.
Candidates applying in Sydney must be in Sydney and have full working rights to work in Sydney, Australia.

Fraud analysis
Loan applications
Credit analysis
SME credit assessment for Cashflow Finance and/or SME lending
Advanced interpersonal skills
Ability to have difficult conversations with internal and external stakeholders
Understanding of Equifax and/or other Credit Bureau standards and procedures
Ability to write credit proposals that serve the interest of all parties involved
Excellent written and verbal communication skills
Ability to proficiently manage multiple tasks simultaneously

Finstro has been solving financial challenges within B2B Trade finance since 2014 and served global businesses with over $1 billion in Trade Payments.
Finstro provides a complete cashflow management platform, enabling customer and supplier payments and providing innovative credit-based solutions to help businesses grow.
We are the solution to pay and get paid on terms that suit your business.

Commercial Credit Analyst at Finstro

Commercial Credit Analyst