Credit Analyst - Business Commercial
Job No:
142216
Location:
x
- Advance your career in lending and risk assessment with diverse and interesting cases!
- Competitive remuneration package of $75,000 - $95,000 negotiable with skills and experience!
- Opportunity for full time or part-time job share arrangement!
About the Organisation
Limba is a national private company with offices across Australia who have been established in the unsecured personal lending market for 20 years. They are part of a group of companies based in Brisbane with interests across diversified industries all focused on achieving excellence in their own right.
Limba support small to medium size business with loans up to $1,000,000, providing solutions where banks and mainstream lenders simply can’t. So whether our clients are looking to build a business, buy new stock, take on a team member, move into new premises or manage working capital, Limba can give the cash flow to help them succeed.
About the Opportunity
Limba has an opportunity for a Credit Analyst to join their friendly team in Eight Mile Plains. This role is being offered on either a full-time or part-time job share basis.
Reporting to the both the General Manager and the National Business Development Manager, you will make sound credit decisions and recommendations on complex borrowing requests and loan variations. You will understand and apply our credit policy within your delegated authority in a way that balances risk and growth.
Working closely with the Business Development Managers and Brokers to understand client needs and formulate client strategy, you will also proactively recommend ideas and solutions to assist in managing client relationships.
Core duties:
- Have a full understanding of credit policy and be able to relay this knowledge to External and Internal Consultants.
- Analyse, prepare, submit and present credit proposals including financial assessment that fall within particular guidelines.
- Review / analyse customer borrowing structures and customer financials to evaluate lending proposals.
- Identify positive and negative features of proposals and engage collaboratively in discussions with internal support and brokers.
- Identify and suggest solutions and proposals to mitigate risk and grow lending volumes.
- Liaise with External and Internal teams as well as other levels of management to ensure the approved proposal moves efficiently and quickly to settlement.
To view the full position description, please click here.
About You
Ideally, you’ll have a relevant business qualification, alongside experience in business lending risk assessment. A qualification is not required if you can demonstrate extensive work experience in the field. You’ll have a strong commercial acumen, with the ability to interpret P&L statements, balance sheets and understand cash flow for businesses.
In addition, the successful candidate will have a strong understanding of personal lending risk assessment, as well as the confidence to work independently. Importantly, you will also have great attention to detail and the drive to build this new division.
The ability to communicate effectively and build rapport with the team, Brokers and clients, providing outstanding customer service, both on the phone and in person, will be critical to your success.
About the Benefits
This role presents an incredibly unique opportunity to step in and truly own this exciting role within the organisation. You’ll be developing your long term professional advancement as you learn from the best, whilst gaining a high level of ownership and autonomy, as well as substantial input into the development of this division yourself.
Escaping the hierarchy and bureaucracy within the banking industry, you’ll be entering a close-knit team of friendly professionals, within a social and welcoming environment. This is a highly supported position, with ongoing support and mentoring to nurture to your continual career development and growth.
Full-time opportunity with potential for part-time job share flexibility! Your commitment and dedication will be rewarded with a competitive remuneration package of $75,000 - $95,000 (pro-rata), negotiable based on skills and experience.
You will also have the opportunity to take advantage of flexible working arrangements, adjusting your start and finishing times and working from home on occasion.
This is an opportunity to join a small and agile organisation with very strong financial expertise and growth forecasts, and develop a unique product in the market. Apply now!