Credit Restructuring Expert

7 days ago

North Sydney Council, Australia Shift Full time

We are seeking a skilled Credit Structuring Specialist to join our dynamic team at Shift in North Sydney.

About the Role

This is an exciting opportunity for a professional with 5-10 years of experience in credit/lending/workout/insolvency, including credit analysis, customer engagement, and documentation.

As a Credit Structuring Specialist, you will play a pivotal role in transforming challenges into opportunities by assessing borrowers' unique situations and crafting tailored solutions to restructure distressed loans.

Your expertise will not only help improve our financial outcomes but also make a real difference in the lives of our clients.

Duties and 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 (PD) and Loss Given Default (LGD).
  • Recommend strategies for credit approval.
  • Negotiate exposure restructuring.
  • Document revised commercial agreements.
  • Monitor portfolio segments - Watchlist and Restructured Loans.
  • Reporting.
Requirements
  • 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.
What We Offer
  • A collaborative team environment with a flat structure.
  • A flexible working environment with state-based workplaces and a flexible work policy.
  • Industry-leading 26 weeks paid parental leave.
  • Varied workspaces that enable collaboration, brainstorming, and socialising as well as focus zones.
  • A wellness focus with healthy breakfast options, snacks, and excellent building facilities to support your physical and mental well-being.

The estimated salary for this position is $120,000 - $180,000 per annum, depending on experience and qualifications. If you are passionate about negotiation and problem-solving, this is your chance to shine and drive meaningful change in our lending strategy.

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