Lead Credit Strategist

6 days ago

Sydney, New South Wales, Australia beBeeCredit Full time $120,000 - $200,000
Senior Retail Credit Analyst

We are seeking a seasoned credit professional to join our team as a Senior Retail Credit Analyst.

In this role, you will lead responsible lending decisions that support both our customers and business growth.

As a Senior Retail Credit Analyst, you will bring strong technical experience in credit analysis and decision-making, while acting as a mentor and subject matter expert across the credit function.

You will take the lead on complex applications, financial statement reviews, and key account facility assessments, while playing a critical role in shaping portfolio-level insights and credit strategies.

Key responsibilities include:

  • 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
  • Analyse 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

To be successful in this role, you will have:

  • 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

About Us

We are a world-class equipment and services company dedicated to advancing the noble work of agriculture and construction workers.

We offer a competitive base salary and performance incentives, paid parental leave, and novated leasing benefits.

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