Credit Risk Analyst

1 week ago

Sydney, New South Wales, Australia Sg Fleet Australia Pty Ltd Full time

WHO WE ARE
We are a financial services company that specialises in fleet management, vehicle leasing and salary packaging, with a presence across Australia, the UK and NZ. A total portfolio under management of $2.5 Billion and over 1200 employees.

SOME OF OUR PERKS INCLUDE

  • Recharge and relax with up to four extra days of leave each year. We call them Wellness days
  • We offer industry leading 20 weeks paid parental leave
  • Save plenty with vehicle salary packaging
  • Monetary service milestone awards
  • Recruitment referral bonus
  • Discounted mobility products and services
  • Flexible work arrangements
  • Career progression opportunities
  • Education support towards your growth, including an individual learning budget per year, free access to LinkedIn Learning and more
  • Two paid volunteer days each year to give back to causes that matter to you
  • Health and well-being support including a subsidy and an innovative Employee Assistance Program



AS A CREDIT RISK ANALYST WILL...
Responsible for spreading counterparty financials, conducting financial analysis on financials, making recommendations based on analysis, and preparing write-ups of large credit requests where credit memorandums are to be submitted to the SG Fleet Credit Committee for consideration and decisioning.

The role is part of a team who utilises its credit risk assessment skills and applies well-reasoned credit rationale to recommend credit proposals for approval or otherwise.

The major responsibilities of this position include but are not limited to:


• Partner and interact daily with the SGF Sales Team to ensure that all credit applications and tasks are decisioned within SG Fleet's Credit policy

• Decision Corporate Credit applications within SG Fleet Credit Policy and Delegated Credit Authority limits

• Ensuring compliance and consistent application of policies, procedures, and legislation

• Provide day-to-day support to the Credit Risk Manager and to the Head of Credit on an ad-hoc basis

• Assist with problem-solving, training, and mentoring of less experienced credit personnel in the Credit team when required

Essential

• Demonstrated experience at reading and analysing independently corporate financial statements and associated risk assessments
• Basic credit underwriting skills

• Working knowledge of legal documentation and applicable legal business codes

• Strong technical/numerical skills including critical analysis and problem solving

• Effective communicator both verbally and in writing

• Ability to communicate professionally

• Strong adherence to processes

• Ability to multitask and prioritise workload appropriately

• Be proactive and work independently, while adopting a positive and enthusiastic manner

• An understanding of business acumen and commercial awareness

Desirable

• Understanding of consumer finance procedures and administration

• Understanding of legal documentation in relation to Consumer Credit Act

• Understanding of the general legal process for the collection of debt

• Current knowledge of fleet management products, services, systems, and processes


WHAT'S NEXT
We'd love to hear from you if you're ready to take on your next challenge at a company that embodies diversity and belonging while also offering work-life balance and career development.

We are a proud equal opportunity employer, and welcome everyone to our team. Resumes may be sent and interviews may occur before the application closure date. To give yourself the best chance of selection, please do not leave your application to the application 'close' date. As a pre-requisite to employment, the successful applicant will be required to complete a pre-employment screening.

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