Commercial Credit Analyst

The Opportunity
Join a high growth fintech that’s redefining business lending in Australia. With over a decade of experience solving complex credit challenges for SMEs, this business is continuing to scale and looking for a Credit Analyst to help shape the future of their small to mid-market lending.

You’ll assess and structure credit for small to mid-sized businesses, focused on commercial transactions such as cashflow lending and asset finance. Partnering closely with the sales and relationship teams, you’ll play a key role in delivering smart, tech-driven credit decisions that balance risk, commerciality, and speed.

What You’ll Do

• Conduct end-to-end credit assessments using financial statements, bank data, and alternative sources.
• Partner with Relationship Managers and Brokers to structure tailored funding solutions.
• Analyse financial and non-financial risk to make informed, timely lending decisions. Maintain accuracy and compliance across systems and documentation.
• Support ongoing portfolio management and periodic reviews of existing clients.
  Contribute to continuous improvement by identifying ways to streamline processes and strengthen risk outcomes.

What You’ll Bring

• Proven background in commercial credit analysis or credit management, ideally with DLA.
• SME credit decisioning is essential, with exposure to both asset finance and cashflow lending preferred.
• Ability to make balanced, pragmatic decisions in a fast-moving environment.
• A confident communicator who can work collaboratively across teams.
• Comfortable in an agile, technology-led business where innovation and accountability drive success.

Why This Role

• Progression opportunities as the business continues to scale.
• Hybrid working and a culture that values autonomy and impact.
• Dynamic environment free from the layers and bureaucracy of traditional banks.

If you’re looking to apply your credit expertise in a fintech where decisions are fast, your input is valued, and your growth is supported, we’d be keen to chat.