Lending Analyst

About the role

Coastline Bank is seeking a detail-oriented and experienced Lending Analyst to join our Credit team based on the Mid-North Coast, NSW. This is a pivotal role within our banking operations, playing a key part in assessing credit risk, evaluating loan applications, and supporting our lending portfolio management. The Lending Analyst position is essential to maintaining the quality and integrity of our lending decisions, ensuring compliance with regulatory standards whilst supporting the growth of our customer base.

Key responsibilities

• Analyse loan applications and credit requests, reviewing financial statements, collateral valuations, and borrower information to assess creditworthiness and risk

• Prepare comprehensive credit assessments and recommendations, supporting lending decisions with detailed analysis and risk evaluation

• Monitor and review existing loan portfolios to identify potential credit risks and deteriorating accounts

• Gather and verify documentation required for loan processing, ensuring accuracy and completeness prior to approval

• Conduct financial analysis including cash flow assessments, debt service coverage ratios, and profitability evaluations

• Liaise with customers, brokers, and internal teams to obtain additional information and clarify loan requirements

• Maintain detailed records and documentation in accordance with banking regulations and internal policies

• Support the development and maintenance of credit policies, procedures, and lending guidelines

• Assist with regulatory compliance and reporting requirements related to credit assessment and risk management

What we're looking for

• Relevant qualification in Finance, Accounting, Business, Economics, or related discipline

• 2-4 years' experience in credit analysis, lending, or financial analysis within banking/financial services environment

• Strong analytical and problem-solving skills with the ability to interpret complex financial information

• Proficiency in financial analysis tools and banking software systems

• Excellent attention to detail and ability to work accurately with large volumes of data

• Strong written and verbal communication skills, with the ability to present findings clearly to stakeholders

• Knowledge of credit risk assessment methodologies and lending best practices

• Familiarity with relevant banking regulations and compliance requirements

• Ability to work independently whilst collaborating effectively within a team environment

• Professional certifications such as Certificate IV in Finance and Mortgage Broking or relevant banking credentials would be ideal

What we offer
At Coastline Bank, we are committed to supporting the professional development and wellbeing of our team members. We offer competitive remuneration packages commensurate with experience, opportunities for career progression within the banking sector, and access to professional training and development programmes. We provide a supportive and collaborative work environment where your contributions are valued and recognised. Our benefits include flexible working arrangements where applicable, employee discounts on banking products, and support for work-life balance. We are committed to creating an inclusive workplace and welcome applications from candidates of all backgrounds.

About us
For 60 years, Coastline Bank has been part of the Mid North Coast fabric, growing alongside the people, businesses, and communities we proudly serve. As a customer-owned, regionally based bank, everything we do is shaped by a simple belief: when our community thrives, we all do.

We see banking differently. It’s not just about transactions; it’s about trust, relationships and showing up when it matters most. That belief guides how we support our customers and nurture our team: with genuine care, a shared purpose, and a commitment to doing what’s right.

Grounded in community and driven by collaboration, Coastline Bank is a place where people care deeply about our customers, about each other, and about creating a stronger future for the region we call home.

Apply now
If you're interested in joining the Coastline Bank Credit team, we'd love to hear from you. Please submit your resume, cover letter, and any relevant qualifications to the Coastline Bank recruitment team. We look forward to receiving your application.