Credit Restructuring Professional

2 days ago

North Sydney Council, Australia Shift Full time
About Shift

At Shift, we're passionate about empowering Australian SMEs to take control of their cashflow and make informed financial decisions. Our team of business specialists is dedicated to helping businesses like yours succeed.

We believe in the importance of strong relationships and market-leading technology in driving business growth. That's why our unique approach and collaborative culture set us apart from the rest.

Salary: AU$120,000 - AU$180,000 per annum

As a Credit Structuring Specialist at Shift, you'll play a vital role in transforming challenges into opportunities for our clients. Your expertise will help improve our financial outcomes while making a real difference in the lives of our clients.

About the Role

This exciting opportunity is for an experienced professional who can assess borrower risk, negotiate exposure restructuring, and document revised commercial agreements. If you have a passion for negotiation and problem-solving, this is your chance to shine and drive meaningful change in our lending strategy.

  • 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

To succeed in this role, you'll need:

  • A strong knowledge of accounting principles.
  • Expertise in assessing financial performance and borrower risk.
  • Proficiency in gathering information through direct borrower interaction.
  • Skill in negotiating favorable commercial terms and restructuring agreements.
  • Experience in documenting facility restructures.
  • Excellent verbal and written communication skills, able to convey complex information clearly.
  • 5-10 years' experience in credit/lending/workout/insolvency, including credit analysis, customer engagement, and documentation.
Benefits

You'll enjoy a range of benefits, including:

  • A collaborative team environment with flat structure and open communication.
  • A flexible working environment with state-based workplaces and flexible work policy.
  • Industry-leading 26 weeks' paid parental leave.
  • Variety in your workspaces with collaboration areas, focus zones, and socialising spaces.
  • A wellness-focused environment with healthy breakfast options, snacks, and excellent building facilities to support your physical and mental well-being.
  • A positive work environment where you can collaborate with colleagues and senior leaders to achieve shared goals.

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