Credit Restructuring Expert

5 hours ago

North Sydney Council, Australia Shift Full time

Company Overview

At Shift, a leading provider of financial solutions for Australian SMEs, we strive to empower businesses to take control of their cash flow and make informed decisions. Our team of experts is dedicated to helping clients navigate the complexities of credit structuring, ensuring they receive tailored support to meet their unique needs.

Salary

We offer a competitive salary of $120,000 - $150,000 per annum, commensurate with experience, to our Credit Structuring Specialist. This role is an excellent opportunity for individuals passionate about credit analysis, negotiation, and problem-solving to join our dynamic team.

Job Description

In this exciting position, you will play a pivotal role in transforming challenges into opportunities by engaging directly with borrowers, assessing their situations, and crafting customized solutions to restructure distressed loans. Your expertise will contribute significantly to improving our financial outcomes while making a real difference in the lives of our clients.

  • Identify restructuring candidates based on pre-agreed criteria and collaborate with stakeholders to develop effective strategies.
  • Analyse flagged restructuring opportunities with borrowers to assess their outlook and potential for improving Probability of Default (PD) and Loss Given Default (LGD).
  • Recommend strategic approaches for credit approval, negotiate exposure restructuring, and document revised commercial agreements.
  • Monitor portfolio segments, including Watchlist and Restructured Loans, and provide regular reporting to ensure seamless execution.

Required Skills and Qualifications

To excel in this role, you will require:

  • A strong foundation in accounting principles and proficiency in assessing financial performance and borrower risk.
  • Expertise in gathering information through direct borrower interaction and skilled negotiation of favorable commercial terms.
  • Experience in documenting facility restructures and excellent communication skills to convey complex information clearly.
  • A minimum of 5-10 years of experience in credit/lending/workout/insolvency, including credit analysis, customer engagement, and documentation.

Benefits

We offer a supportive and collaborative work environment that values employee growth and well-being. Key benefits include:

  • A flat organizational structure allowing for seamless collaboration and knowledge sharing among colleagues and senior leaders.
  • A flexible work policy accommodating various work arrangements, including remote work options.
  • Industry-leading parental leave policies to support your personal and professional goals.
  • A state-of-the-art workspace with diverse areas for collaboration, brainstorming, and focus.
  • A wellness program focusing on employee health and well-being, offering access to healthy breakfast options, snacks, and on-site fitness facilities.

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