Credit Structuring Specialist

4 weeks ago

Sydney, New South Wales, Australia Shift Full time
Overview

At Shift, we're business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. Our business expertise, focus on relationships, and market-leading technology are at the core of everything we do. We've helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding. Our unique approach to product innovation and collaborative culture means you can build your career in a supportive environment. You'll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for Australian businesses.

About the role: Join our dynamic team as a Credit Structuring Specialist, where you'll play a pivotal role in transforming challenges into opportunities. You'll engage directly with borrowers, assess their unique situations and craft tailored solutions to restructure distressed loans. Your expertise will help improve our financial outcomes and make a real difference in the lives of our clients. If you are passionate about negotiation and problem solving, this is your chance to shine and drive meaningful change in our lending strategy

Responsibilities
  • Identify restructuring/workout candidates based on pre-agreed criteria.
  • Analyse flagged restructuring opportunities with borrowers to assess borrower outlook and opportunities for improving Probability of Default and Loss Given Default.
  • Recommend strategies for credit approval.
  • Negotiate exposure restructuring.
  • Document revised commercial agreements.
  • Monitor portfolio segments – Watchlist and Restructured Loans.
  • Reporting.
What you'll bring
  • Strong knowledge of accounting principles.
  • Expertise in assessing financial performance and borrower risk.
  • Proficient in gathering information through direct borrower interaction.
  • Skilled in negotiating favorable commercial terms and restructuring agreements.
  • Experienced in documenting facility restructures.
  • Excellent verbal and written communication, able to convey complex information clearly.
  • 5-10 years in credit/lending/workout/insolvency, including credit analysis, customer engagement, and documentation.
  • Creative in developing solutions that minimise losses for the company and support borrowers.
Key benefits
  • Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
  • Flexible working environment – headquartered in North Sydney with state-based workplaces and a flexible work policy.
  • Family support – industry-leading 26 weeks paid parental leave.
  • Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.
  • Wellness focus – healthy breakfasts, snacks, and on-site facilities to support you.
  • Positive environment – quarterly cross-functional reviews at Sydney HQ to set and collaborate on key priorities.

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