Credit Analyst

1 day ago

Melbourne, Victoria, Australia Balmain Full time $80,000 - $120,000 per year

PRIMARY ROLE

The Balmain Group has over $10B in receivables under management, including a commercial loan portfolio exceeding $5.5B and provides $4B in property investment and development loans each year. Loans range in size between $1M to in excess of $100M for a range of purposes including investment, construction and site acquisition. Structured/preferred equity transactions also form part of the business appetite.

As a Credit Analyst, you will be a critical component in assessment, decisioning and management of these transactions.

The role is suited to a person with an understanding of the fundamentals of property lending including the development and structured finance process. Property valuers and property economists are also encouraged to apply. A knowledge of commercial property finance is desirable but not essential.

KEY RESPONSIBILITIES

  • Assist in preparation of risk assessments for property-related loan applications, including analysis of valuations, planning approvals, feasibilities, and market conditions.
  • Collaborate with the team to structure and negotiate loan terms that meet both client needs and company risk appetite.
  • Monitor and manage the performance of the property loan portfolio, identifying and addressing potential risks and issues.
  • Maintain strong relationships with the sales team, internal stakeholders and external consultants, to facilitate smooth loan transactions.
  • Prepare and present credit reports and recommendations to senior management and credit committees.
  • Stay updated on industry trends, regulatory changes, and market developments to inform credit decisions and strategies.
  • Structure and draft legal letters of offer and variations.
  • Close monitoring and reporting to executive management of any non-compliant loans, including monetary and technical defaults.
  • Review development building contracts, QS reports and recommend progress payments.
  • Review and recommend settlement payments.
  • Work closely with the Credit team's external loan management provider, lending panel consultants and security document custodian.
  • Instruct and manage the loan documentation process and negotiation.

COMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS

  • An understanding of commercial property lending.
  • Excellent communication skills (written & verbal) are essential.
  • Some form of property or finance tertiary qualifications. Finance experience desirable but not essential.
  • The ability to write and present a detailed loan submission with supporting analysis and risk assessment.
  • The ability to liaise with and instruct legal consultants to draft documentation.
  • Working knowledge of commercial loan settlements.
  • The ability to work autonomously within a team setting is essential.
  • Time management & organisational skills.
  • Problem solving skills with a high attention to detail.
  • Microsoft Office & Excel Skills.
  • Integrity and Trustworthiness.

ABOUT US

  • Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Craft Financial Full time $90,000 per year

    Join a brokerage that does things differentlyPosition: Experienced Credit Analyst / Para Broker.Salary: $90K FTE + Super (pro rata for part-time hours).Employment Type: Part-Time (30 hours per week).Location: Fully Remote (Australia based).About UsCraft Financial is a fast paced Melbourne brokerage specialising in property investors and self employed...

  • Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Zoomlion Australia & New Zealand Full time $60,000 - $120,000 per year

    Credit Analyst (Mandarin Speaking)Location:Melbourne, VictoriaEmployment Type:Full-Time, OnsiteAbout Zoomlion Australia & New ZealandZoomlion is aglobal Original Equipment Manufacturer (OEM)and one of the world's leading providers of construction, agricultural, and industrial machinery. Operating in over 140 countries, Zoomlion delivers cutting-edge...

  • Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Foundry Talent Partners Full time $80,000 - $120,000 per year

    Credit Analyst – Corporate LendingWe're representing a leading financial services organisation with a strong track record in originating, structuring, and executing complex corporate and commercial lending transactions. With an active deal pipeline and a collaborative, high-performing team, the group is seeking a Credit Analyst to support the execution of...

  • Credit Analyst

    1 day ago

    Melbourne, Victoria, Australia NOW Finance Full time $90,000 - $120,000 per year

    NOW Finance is an Australian-owned, specialist provider of personal loans to customers looking for a fee-free, value-for-money finance solution.We are looking for experienced Credit Analysts to join NOW Finance and take responsibility for the credit assessment of consumer loans. You must understand the loan underwriting process, as this is not an...

  • Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia The Andersen Partnership Full time $80,000 - $120,000 per year

    Job Title:Corporate Credit AnalystLocation:Fully Remote - ANZ RegionEmployment Type:Permanent, Full-Time Experience Level:Mid-level (3+ years)Qualification Requirement:Degree in Finance, Accounting, Commerce, or related fieldAbout the RoleWe're seeking aCorporate Credit Analystto join a global finance team and report directly to the Credit Manager. This...

  • Commercial Credit Analyst

    1 week ago

    Melbourne, Victoria, Australia Traction Group PL Full time $90,000 - $120,000 per year

    Company:  Is a mature global business finance lender, who's Australian business focuses on financing business critical equipment through: Equipment suppliers, Direct customers and Broker relationships. Opportunity:  The Australian business is is just starting to mature in the local market and so this role is needed to handle the growing number of...

  • Credit Analyst

    5 days ago

    Melbourne, Victoria, Australia Australian Unity Full time $120,000 - $180,000 per year

    Job description:About usEstablished in 1840, we are Australia's first wellbeing company, delivering health, wealth and care services for our members and the community.As a social enterprise, we're motivated by our purpose to positively impact the wellbeing of millions. We reinvest profits to deliver products and services sustainably that matter most to our...

  • Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Tash Lends Full time $90,000 - $100,000 per year

    Credit Analyst – Residential Home LoansLocation: Fully remote, so anywhere in Australia Salary: 90-100k + superType: Full-timeAbout UsWe're building a new kind of brokerage backed by one of Australia's largest personal finance communities, @tashinvests and The Get Rich Slow Club. Our goal isn't just to write loans, it's to help people understand money and...

  • Senior Credit Analyst

    1 week ago

    Melbourne, Victoria, Australia Shell Energy Australia Full time $80,000 - $120,000 per year

    The world's biggest challenge needs you, here.Big challenges require big solutions. And the transition to a net-zero world is about as big as it gets. Working at Shell Energy - one of Australia's leading energy retailers - puts you at the heart of that endeavour.Lead the change, from the frontlineReady to make your mark in a major energy brand?This 6-month...

  • Senior Credit Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Shell Energy Australia Full time $90,000 - $120,000 per year

    The world's biggest challenge needs you, here.Big challenges require big solutions. And the transition to a net-zero world is about as big as it gets. Working at Shell Energy - one of Australia's leading energy retailers - puts you at the heart of that endeavour.Lead the change, from the frontlineReady to make your mark in a major energy brand? This 6-month...