Credit Risk Specialist

2 weeks ago


North Sydney Council, Australia Shift Full time
About the Role

We are seeking a highly skilled Credit Risk Specialist to join our team at Shift. As a Credit Risk Specialist, you will play a pivotal role in transforming challenges into opportunities by assessing borrower 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. If you are passionate about negotiation and problem-solving, this is your chance to shine and drive meaningful change in our lending strategy.

Key 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.
What You'll Bring
  • 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.
  • Creative in developing solutions that minimise losses for the company and support borrowers.
Additional Information
  • Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
  • 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.
  • Wellness focus – grab a healthy breakfast, snacks and if you like keeping active, we have excellent building facilities to support you.
  • Positive environment – come together with all your colleagues at Sydney HQ every 100 days to set and collaborate on key cross functional business priorities


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