Credit Assessor- Commercial Lending

7 days ago

Sydney, New South Wales, Australia Vestyn Capital Full time $90,000 - $120,000 per year

About Vestyn Capital

Vestyn Capital is a dynamic and fast-growing non-bank lender with an AFSL and ACL, backed by institutional funds and strong HNW investor support. Our focus is on delivering fast, flexible, and tailored commercial lending solutions for SMEs who require alternatives to traditional bank finance across Australia. We are expanding our credit team and seeking a motivated and detail-oriented Credit Assessor to play a critical role in the assessment and support our growing commercial loan portfolio.

Benefits

· Prime CBD office location near Wynyard Station

· Supportive and collaborative team environment

· Exposure to complex commercial deals

· Opportunity to grow into a Credit Manager role

About the Role

The Credit Assessor is responsible for end-to-end assessment of loan applications, ensuring that each deal meets company credit policy, risk appetite, and compliance requirements. This role suits candidates with a minimum of 2 years' experience in credit assessment in commercial lending space. Working closely with our BDMs, brokers, and internal stakeholders, the Credit Assessor will evaluate loan submissions, conduct due diligence, and provide well-structured recommendations to management and the credit committee.  Attention to detail, sound credit judgment, commercial sense and the ability to work under pressure are essential.

Key Responsibilities

· Conduct thorough reviews of loan applications to ensure the loan application is alignment with fund and credit policy

· Review and analyse supporting documents including but not limited to valuations, titles, credit reports, A&L, and PPSR reports

· Identify and assess credit risks in loan applications and propose mitigants and conditions

· Clear communicate with BDMs, brokers, and solicitors to obtain required documentation and clarify application details.

· Prepare concise and accurate credit papers for presentation to management and the credit committee.

· Support the ongoing monitoring of loan portfolios, including covenant compliance, arrears management, and reviews.

· Contribute to the development and refinement of credit policy and procedures.

Skills and Experience

  • Minimum 2 years of credit assessment experience, preferably within private lending, non-bank, or mortgage management.
  • Strong understanding of commercial lending structures, including first and second mortgages, and corporate trusts.
  • Proven ability to interpret financial statements, legal documents, and lending security packages with high attention to detail
  • Sound understanding of property valuations and legal securities documentation.
  • Strong interpersonal and communication skills for coordinating with internal and external stakeholders
  • Competence using loan origination and loan management systems (e.g. FinPower, EasyLodge) and a self-driven, accountable approach to workflow
  • Strong team player with a collaborative mindset, willing to support colleagues and contribute to a positive workplace culture.
  • A proactive, can-do attitude with the ability to work independently and meet deadlines.

Who This Will Suit

This role suits a candidate who has already built foundational lending experience and is looking to step into a more analytical and credit-oriented position. You take pride in accuracy, enjoy working behind the scenes on complex deals, and are eager to learn in a fast-growing lender. A career in credit management is your next ambition.

If you believe you are the right fit for this role, please send your CV to

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