Credit Risk Analyst

5 days ago

City of Moreton Bay, Australia Nixil Full time
About Nixil

Nixil is a leading provider of innovative financial solutions for small and medium businesses.

About the Role

We are seeking a highly motivated and detail-oriented Credit Risk Analyst to join our growing team based in North Lakes Qld.

Key Responsibilities
  1. Review and assess credit applications from merchants, and provide recommendations on approval or rejection based on the risk level and the lending policies of the company.
  2. Undertake the overall credit risk / underwriting process, decision making pertaining to the credit assessment of merchant applications as per the authorised lending mandate - capturing applicable information, performing credit bureau checks.
  3. Communicate with clients and stakeholders, and provide feedback and guidance on credit applications.
  4. Maintain records and documentation of credit decisions, and comply with relevant regulations and compliance standards.
  5. Assist with merchant incoming calls relating to general queries involving the Credit Risk / Underwriting Team.
  6. Assist with the overall daily collection debit order process, managing the changing of daily debit orders, dealing with unpaids and the liaison with the merchants as appropriate.
  7. Keep up to date with the financial services industry, the credit market, and the best practices in credit underwriting.
  8. Provide input into the maintenance of all credit risk policies, workflows and other relevant credit risk / underwriting documentation.
  9. Provide credit risk support / guidance to the broader organisation to ensure common understanding.
  10. Assist in the production, presentation of portfolio and operational analytical results.
Requirements
  1. A relevant qualification or equivalent work experience in the field of credit underwriting.
  2. Excellent analytical and problem-solving skills, and ability to evaluate financial information and risk factors.
  3. Strong communication and interpersonal skills, and ability to work effectively with clients and stakeholders.
  4. Attention to detail, accuracy, and quality.
  5. Proficiency in Microsoft Office applications.
  6. Knowledge of the financial services industry, the credit market, and the relevant regulations and compliance standards.
  7. Full working rights – Must be an Australian Citizen or Australian Permanent Resident.
What We Offer
  1. Competitive salary range.
  2. Career development opportunities.
  3. Friendly and supportive team culture.

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