Credit Analyst

At Balmain we provide an array of financial services which satisfy all of our client's financial requirements under one brand. We build long-term relationships with our business partners, to continue to provide a high level of service to clients and lenders whilst providing a challenging and rewarding environment for staff. We understand that the collective efforts of our people hold the key to our success.

PRIMARY ROLE

The Credit Analyst / Business Development Manager (Origination) is primarily responsible for supporting the key functions for the Originator.

In this role, you will be responsible for preparing information to aid the Originator in assessing loans including modelling, feasibility studies, credit submissions and other assessment activities as well as portfolio management, and regular reporting and communication. The role will be responsible for assisting the Originator in supporting the clients and aiding in understanding their financial position and performance.

This role will also include a focus on lead generation and identifying and assisting in conversion of transactions into sales using strong customer service skills and a high level of sales knowledge.

KEY RESPONSIBILITIES

Credit Analyst Function

• Assist the Originator in the origination of loans from initial inquiry, approval and loan settlement.
• Preparing quality credit submission papers with financial and risk analysis
• Financial modelling of clients' accounts to assess income and affordability.
• Preparation of feasibility and funding studies to analyse project viability
• Liaise with internal and external stakeholders throughout the origination process as required
• Weekly update and tracking of existing transactions
• Management of the Origination team's portfolio with view to client retention, including loan renewals
• Ensure that loan renewal, annual review and condition subsequent deadlines are met
• Develop and maintain an in-depth knowledge and understanding of Balmain's internal funding programmes, policies, processes and procedures.
• Maintain a good knowledge of the commercial real estate funding market including banks, non-banks, institutions and private debt funds
• Dealing with routine queries received from clients, investment managers, third parties
• Completion of all administration requirements in relation to the loans you manage within your team, including database management.
• Attendance at regular Balmain company and analyst meetings in addition to lender information meetings which are scheduled from time to time
• Referring business opportunities to the originator as they arise through existing clients, referrers and wider network
• Supporting team members to maximise the efficiency and effectiveness of the team

BDM Function

• Identify transaction opportunities and present to the Origination team.
• Generate viable leads through diverse channels and exposure to an existing client base.
• With assistance, demonstrate an ability to convert leads into sales.
• Prepare, update and sustain a Business Plan including, but not limited to, prospecting initiatives, call program, prospect log with follow ups, call patter.
• Consistently meet targets set by the Origination team.
• Cultivate and maintain relationships with professionals and other existing stakeholders.

COMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS

• Degree in Commerce/Business or related field
• No less than 2-3 years' experience in real estate specific banking and finance roles or real estate
• The ability to review, analyse and structure commercial development and investment loans from initial origination stage to financial close
• Have a strong understanding of development finance and the construction process
• Understand credit risk framework
• Working knowledge of commercial loan settlements and sound understanding of settlement process
• Demonstrate strong commercial acumen and a strategic approach to client management.
• Prospecting and networking skills will be critical.
• Drive to acquire a diverse customer base and meet your set targets.
• Sales success: showcase a track record of meeting and achieving sales targets and business objectives.
• Hunter sales mentality is required for success in this role.
• Ability to analyse and solve problems.
• Time management & organisational skills
• Personable and ability to work in a team
• Strong communication, in both written and verbal forms
• High level of accuracy and attention to detail
• Excellent computer literacy- MS Word & Excel literate

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