Commercial Credit Analyst

Overview

Who is Shift? 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. That’s why our business expertise, focus on relationships, and market-leading technology is 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 combined with our 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

As a Credit Analyst, you’ll play a key role in the customer journey by assessing credit applications from customers and brokers. Using a mix of bank statements, financial statements and other data, you’ll determine creditworthiness and recommend appropriate lending solutions. Your insights will help shape great customer outcomes while managing risk effectively.

What you'll do

- Assess commercial credit applications by analysing financial statements, bank statements and other relevant data

- Conduct phone interviews with applicants and brokers to gather information and negotiate loan criteria

- Provide accurate, quantitative credit assessments and recommend lending limits aligned with Shift’s credit appetite

- Ensure correct products and services are applied to customer applications

- Maintain detailed records of key risk factors and mitigation strategies to support decision making

- Build strong relationships with internal teams, customers, and brokers to enhance business performance

- Adhere to credit underwriting standards, compliance policies, and ensure data integrity in core systems

- Support Relationship Managers and Sales teams by providing coaching and upskilling

- Identify opportunities for process and service improvements to boost team efficiency

What you'll bring

- Previous experience holding aDelegated Lending Authority for commercial/business lending

- Strong business acumen and solid understanding of the SME market

- Proven track record in delivering excellent customer service

- Experience assessing commercial credit using financial and bank statements; experience with non-traditional data is a plus

- Analytical mindset with strong attention to detail

- Experience in risk or analytics roles or working with finance products in point-of-sale environments is advantageous but not essential

- Excellent communication and relationship-building skills

- Commitment to compliance and data accuracy

Key benefits

- Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.

- Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.

- Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer 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.

- Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.

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