Senior Loan Restructuring Analyst

2 weeks ago

North Sydney Council, Australia Shift Full time
Transform Distressed Loans into Opportunities

We are seeking a Senior Loan Restructuring Analyst to join our dynamic team at Shift, where you will play a pivotal role in transforming challenges into opportunities.

In this exciting position, you will engage directly with borrowers, assessing their 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.

About the Role:

  • 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 Will Bring:

  • A strong knowledge of accounting principles
  • Expertise in assessing financial performance and borrower risk.
  • Proficient in gathering information through direct borrower interaction.
  • Skilled in negotiating favourable 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.

Estimated Salary: AU$120,000 - AU$150,000 per annum, depending on experience and qualifications.

About Working at Shift:

  • 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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