Credit Analyst

Credit Analyst / Business Development Manager (Origination) role at Bendigo Advertiser. Balmain provides an array of financial services which satisfy all of our client's financial requirements under one brand. We build long-term relationships with our business partners, to continue to provide a high level of service to clients and lenders whilst providing a challenging and rewarding environment for staff. We understand that the collective efforts of our people hold the key to our success.

• Credit Analyst Function: Assist the Originator in the origination of loans from initial inquiry, approval and loan settlement. Prepare quality credit submission papers with financial and risk analysis. Financial modelling of clients' accounts to assess income and affordability. Preparation of feasibility and funding studies to analyse project viability. Liaise with internal and external stakeholders throughout the origination process as required. Weekly update and tracking of existing transactions. Manage the Origination team's portfolio with view to client retention, including loan renewals. Ensure that loan renewal, annual review and condition subsequent deadlines are met. Develop and maintain knowledge of Balmain's internal funding programmes, policies, processes and procedures. Maintain knowledge of the commercial real estate funding market including banks, non-banks, institutions and private debt funds. Address routine queries from clients, investment managers, and third parties. Complete all administration requirements related to the loans managed within the team, including database management. Attend regular Balmain company and analyst meetings and lender information meetings as scheduled. Refer business opportunities to the originator as they arise through existing clients, referrers and wider network. Support team members to maximise efficiency and effectiveness of the team.
• BDM Function: Identify transaction opportunities and present to the Origination team. Generate viable leads through diverse channels and existing client base. With assistance, demonstrate ability to convert leads into sales. Prepare, update and sustain a Business Plan including prospecting initiatives, call program, prospect log with follow-ups, and call pattern. Consistently meet targets set by the Origination team. Cultivate and maintain relationships with professionals and other stakeholders.

• Degree in Commerce/Business or related field
• No less than 2-3 years' experience in real estate specific banking and finance roles or real estate
• Ability to review, analyse and structure commercial development and investment loans from initial origination stage to financial close
• Strong understanding of development finance and the construction process
• Understand credit risk framework
• Knowledge of commercial loan settlements and settlement processes
• Strong commercial acumen and a strategic approach to client management; prospecting and networking skills are critical
• Drive to acquire a diverse customer base and meet targets
• Sales success: track record of meeting sales targets and business objectives; hunter sales mentality
• Ability to analyse and solve problems; time management & organisational skills
• Personable and team-oriented; strong written and verbal communication
• High level of accuracy and attention to detail
• Excellent computer literacy – MS Word & Excel

Balmain.com.au

• Seniority level: Entry level
• Employment type: Full-time
• Job function: Finance and Sales
• Industries: Newspaper Publishing

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