Credit Analyst

Credit Analysts are expected to positively contribute to the company achieving its business operational goals and objectives outcomes by:

• Considering loan applications submitted for approval for the purpose of determining whether to approve, defer or decline the application, in accordance with the company’s credit policies, standards and practices and with sound lending principles and applicable legal obligations.
• Meeting the outcomes expected above in an accurate, compliant and timely manner to ensure the rapid flow of applications through the decision-making process.
• Accurately identifying system data transfer and calculation errors and then notifying these in the appropriate communications channels in a timely manner.
• Identifying system correction, enhancement and improvement opportunities and submitting appropriate suggestions through the appropriate communications channel for consideration.
• Attending and actively participating in group and team meetings and activities when expected to do so.
• Undertaking loan conversion activities when requested or required to do so.
• Maintaining and enhancing credit assessment techniques by attending all required training events and satisfactorily completing all required courses and activities.

Performance will be assessed against the minimum performance criteria as reviewed and advised by management on a regular basis.

Education and/or Work Experience Requirements:

• Well-developed verbal and written communication skills, including the ability to effectively communicate with other members of the Credit team and members of other Fundo teams.
• Competent computer and IT proficiency (MS Office – Word, Excel, Outlook).
• Strong attention to detail and the ability to interpret high levels of numerical and text data with a high degree of accuracy.
• Must be able to work at a consistent level of output and meet deadlines, while maintaining a positive attitude and providing exemplary service.
• Demonstrated analytical skills, with the ability to quickly interpret multiple data points against defined criteria in order to make an appropriate credit approval decision.
• The capacity to work day-to-day in a decentralised and non-directly supervised environment (offshore located approvers).
• High school or equivalent completion required. A tertiary qualification in financial services, credit management, accounting or business studies will be highly regarded.
• Previous experience in a credit analysis, management or processing role or a data entry and interpretation role preferred.
• Capacity to work flexible work hours and on some weekends in accordance with the business’ needs.

Physical Requirements:

• Capacity to perform required duties while working from home (offshore located approvers).
• Willingness to complete work hours aligned with Eastern Australian time zones (offshore located approvers).
• Must be able to listen and speak clearly on on-line meeting channels.