Credit Analyst

2 days ago


Newcastle, New South Wales, Australia Bendigo Advertiser Full time

Join to apply for the Credit Analyst / Para Broker role at Bendigo Advertiser

Overview

Shape the Future of Client Success with 3Finance. We are not just processing loans -- we are solving complex financial puzzles and delivering outcomes that change lives. We are looking for a proactive and detail-focused Credit Analyst or Para Broker to join our high-performing team on a permanent part-time or full-time basis.

Role

If you love working with numbers, data, and people, this is your chance to be part of a supportive, growth-focused environment where your expertise directly contributes to our clients' success. In this pivotal, client-facing role, you'll:

  • Spot and resolve information gaps before they become issues
  • Interpret complex lending scenarios with clarity and confidence
  • Collaborate to create quality advice and life changing outcomes for our clients
  • Help streamline and improve our processes for even greater efficiency

You will join a team that values excellence, collaboration, and continual improvement — and we will back you with the tools, training, and environment to thrive.

Roles & Responsibilities

In this role, you will work closely with our Managing Director and our Broker Team to support clients through the full lending journey — from initial assessment to settlement — ensuring every application is accurate, compliant, and positioned for success. Your responsibilities will include:

Loan Assessment & Structuring
  • Analyse client financials, income streams, and ownership structures to build accurate statements of position and servicing calculations.
  • Prepare detailed financial analysis to inform lending strategies and deal structuring.
  • Identify potential risks and opportunities to ensure applications meet both client goals and lender requirements.
  • Map out tailored lending structures aligned with client objectives and lender policy.
  • Workshop complex scenarios with the Broker to refine deal positioning before presenting to lenders.
Lender Engagement & Application Preparation
  • Present scenarios to lenders with clear supporting documentation.
  • Engage with lenders to address queries on credit papers and loan scenarios.
  • Summarise outcomes from lender discussions to form clear client recommendations.
  • Structure client requirements into compliance-ready documentation.
  • Assist in preparing and presenting compliance documents and application forms to clients.
Application Submission & Post-Approval
  • Submit accurate and complete loan applications to lenders.
  • Review loan offer documents with clients, ensuring understanding and accuracy before execution.
  • Liaise with lenders on any post-submission queries or conditions.
Process Improvement & Collaboration
  • Work with the team to document and refine our end-to-end loan process for greater efficiency.
  • Contribute to ongoing improvements in systems, templates, and client experience.
  • Collaborate with team members to share insights, strategies, and best practices.
Key Skills & Attributes

We are looking for someone who brings both technical expertise and a collaborative mindset. To thrive in this role, you will have:

  • Experience in credit analysis, loan processing, or para broking (experience with complex lending structures highly regarded).
  • Strong analytical skills with the ability to interpret financial statements.
  • High attention to detail and accuracy in all aspects of data entry, calculations, and documentation.
  • Confidence in engaging with lenders, interpreting policy, and resolving credit queries.
  • Excellent written and verbal communication skills for client and lender interactions.
  • A proactive approach to identifying risks, opportunities, and process improvements.
  • Ability to manage multiple tasks and deadlines in a fast-paced environment.
  • Proficiency in loan application software and Microsoft Office Suite (experience with broker CRMs advantageous).
  • A genuine interest in finance, lending, and helping clients achieve their goals.
  • Professionalism, integrity, and a positive, solutions-focused attitude.
Why Join 3Finance?
  • Work alongside a supportive, experienced team committed to your professional growth.
  • Gain exposure to a wide range of lending scenarios and client profiles.
  • Be part of a culture that values accuracy, efficiency, and client success.
  • Enjoy the flexibility of a permanent part-time or full-time role.

If you are ready to bring your skills to a team that values your contribution and encourages you to grow, we would love to hear from you.

APPLY NOW with your resume and a brief cover letter outlining your experience and interest in the role.

Seniority level
  • Entry level
Employment type
  • Other
Job function
  • Finance and Sales
Industries
  • Newspaper Publishing
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