Leading Credit Decisions

2 weeks ago

Sydney, New South Wales, Australia beBeeCredit Full time $115,000 - $165,000

Senior Credit Risk Professional

Job Overview

This role involves leading lending decisions that support business growth and customer success.

Key Responsibilities
  • Assess and underwrite equipment finance applications in line with credit policies and authority levels
  • Conduct financial analysis and prepare detailed credit submissions for retail and key account customers
  • Analyze portfolio trends to identify and mitigate credit and capital risk exposure
  • Recommend alternative finance structures to achieve optimal outcomes for the business and customers
  • Review and maintain credit limits, conditions, and securities for key account facilities
  • Ensure compliance with credit policies, legal, regulatory and privacy requirements
  • Liaise with legal counsel to prepare and finalise security documentation
  • Collaborate with collections to identify and escalate early signs of financial difficulty
  • Contribute to credit scorecard development, system testing, and credit risk reporting
  • Provide support and coaching to internal stakeholders on credit policy, risk and compliance
  • Champion continuous improvement and high-quality credit standards across the team
  • Maintain strong stakeholder relationships and uphold ethical decision-making in all activities
Required Skills and Qualifications
  • Minimum 5 years of experience in financial services, asset finance or a senior credit underwriting role
  • Strong financial acumen with demonstrated expertise in interpreting and analysing financial statements
  • Proven ability to lead, mentor and influence others across cross-functional teams
  • Strong relationship management and interpersonal skills
  • Effective time management and organisational skills
  • Confident with computer systems and able to learn new platforms quickly
  • Excellent written and verbal communication skills with the ability to present to senior stakeholders and committees
  • Deep understanding of credit risk, compliance and legislation
  • Skilled in using credit decisioning systems and developing risk-based tools and processes
  • Tertiary qualifications in banking, finance, accounting or commerce are highly regarded
Benefits
  • Opportunity to develop your skills in a dynamic environment
  • Competitive base salary and performance incentives
  • Retail & health insurance discounts
  • Paid parental leave
  • Novated leasing

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