Credit Risk Analyst

5 days ago

Melbourne, Victoria, Australia Maxxia Pty Ltd Full time
Job Title: Credit Risk Analyst

This role supports the Senior Credit Manager in the performance of the Group credit risk management function. It is responsible for assessing the credit risk related to financing operating fleets, equipment lines, and single asset credits for customers and for administering the credit approval process and ongoing financial monitoring of the customer.

The role reports to the Senior Credit Manager regarding the assessment of the credit risk associated with customer accounts, AML compliance, working collaboratively with the commercial teams, contributes to Credit Policy development, supports the data and reporting requirements for MMS securitisation programs (including maintenance and reconciliation of cumulative credit loss data, lender due diligence, probability of default and credit loss modelling and expected Credit Loss provisioning) and assists with reporting to the Executive Credit Committee and the Board.

Key Responsibilities:
  • Assist the Senior Credit Manager in the planning, development, and execution of credit risk policies and procedures across multiple jurisdictions, including assisting with the ongoing development and implementation of credit scorecards and Basel-III based credit risk analysis tools.
  • Support the Senior Credit Manager in ongoing credit policy reviews, tracking results of risk management strategies, and recommending policy changes based on analysis of profitability, risk, and operational impact.
  • Interpret corporate policy on the provision of credit and advise customers and/or sales/account management staff as appropriate.
  • Support the Senior Credit Manager in maintaining contemporary legislative knowledge related to credit activities in MMS jurisdictions (AML/CTF, PPSR, Debt collection and recovery obligations, SME legislative compliance) and ensure policies and processes are compliant in a timely manner.
Requirements:
  • Strong financial reporting analysis, analytical, and numerical skills.
  • Business acumen and commercial pragmatism, with the ability to analyse customer strategic risks, structures, and operations in the context of implications for credit risk assessments.
  • Strong communication and presentation skills, as well as high-quality attention to detail.
  • Ability to handle multiple tasks in a fast-paced, transaction-oriented environment.
What We Offer:
  • Our strong people-first culture.
  • Flexible/hybrid working to enhance your work/life balance.
  • Novated lease benefits and discounts.
  • 12 weeks Paid Parental leave and access to our Parents Portal.
  • Exempt Employee Share Plan.
  • Paid Income Protection Insurance under MMSG default Super plan.
  • Access to a broad range of learning and development programs.
  • Career break and volunteering leave.
  • Access to Employee Assistance Program and annual Flu vaccination.
  • Lifestyle Rewards program.

As an employer who embraces Diversity, Equity & Inclusion, we hold a collective commitment to foster an environment where all differences are valued and respected. We encourage Aboriginal and Torres Strait Islander people, individuals from all backgrounds, including those caring for and living with disability, to apply.

Please note all successful candidates will be required to undergo background checks.

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