Credit Analyst

- Office hours - 8.30 to 5pm

- Monday to Friday

Our client is an innovative provider of merchant cash advance solutions, specialising in delivering seamless, unsecured working capital to small and medium businesses across Australia.

As they continue to scale, they’re seeking a motivated and detail-oriented Credit Analyst to join their high-performing credit operations team in Eight-Mile Plains, QLD.

This is a key role for someone with strong analytical skills, risk evaluation experience, and a passion for delivering exceptional service to partners and stakeholders.

About the Role

As a Credit Analyst, you will be responsible for evaluating and processing merchant credit applications, making informed credit decisions, and ensuring compliance with lending policies. You'll engage directly with stakeholders, brokers, and customers to assess creditworthiness and deliver a smooth application process. The role requires a strong balance of analytical capability, customer service, and risk management awareness.

Key Responsibilities

- Review and assess credit applications from merchants and brokers in accordance with lending policies and risk frameworks.

- Analyse applicants’ financial profiles, including income, liabilities, and living expenses, to determine affordability.

- Conduct credit bureau and banking history checks, assess credit conduct, and verify employment stability.

- Make credit recommendations or approvals within a defined lending mandate (e.g. up to $35,000).

- Liaise directly with brokers, merchants, and internal teams to gather information and deliver timely decisions.

- Assist in inbound and outbound calls related to credit assessments, re-advances, and general underwriting queries.

- Maintain accurate documentation of credit decisions and support compliance with regulatory requirements.

- Collaborate on the daily collections process, monitor direct debit activity, and manage exceptions or failed payments.

- Support continuous improvement of credit workflows, underwriting documentation, and risk policy frameworks.

- Provide mentorship and second-level review of other team members’ assessments when needed.

Key Requirements

- Prior experience in credit assessment, credit risk, or underwriting (e.g., personal loans, auto finance, SME lending).

- Strong knowledge of income analysis, credit file interpretation, and affordability evaluation.

- Excellent attention to detail and judgement when identifying potential risks.

- Outstanding communication skills for dealing with brokers, customers, and internal stakeholders.

- Demonstrated ability to work in a team environment with a customer-first mindset.

- Proficiency in Microsoft Office and experience with credit systems and mailbox management.

- A relevant qualification in finance, economics, or equivalent practical experience in the credit space.

- Full working rights – Must be an Australian Citizen or Australian Permanent Resident

Desirable Attributes

- Experience working with brokers or in third-party channel environments.

- Previous exposure to end-to-end credit lifecycle from assessment to decision and post-settlement support.

- Proven track record of handling complex cases and working under pressure in a high-volume environment.

Benefits

- Competitive salary package.

- Opportunities for professional growth and mentorship.

- Friendly, collaborative, and inclusive work environment.

- Exposure to a growing and innovative financial services provider.

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