Senior Credit Analyst

A leading non-bank in Sydney is seeking a Senior Credit Analyst to join their expert team and play a pivotal role in supporting credit structuring, underwriting, and portfolio management within the agricultural sector.

Senior Credit Analyst - Agriculture

Salary:
Competitive and based on experience

Location:
Sydney

A leading non-bank in Sydney is seeking a Senior Credit Analyst to join their expert team and play a pivotal role in supporting credit structuring, underwriting, and portfolio management within the agricultural sector. This is an exceptional opportunity for you to leverage your financial acumen and industry knowledge in a supportive, collaborative environment that values your expertise and commitment to excellence. The organisation offers flexible working arrangements, generous superannuation contributions, and comprehensive training opportunities to help you grow both personally and professionally. With a focus on teamwork, shared success, and nurturing talent, this position provides the chance to make a meaningful impact while enjoying a healthy work-life balance and access to state-of-the-art resources.

• Join a highly respected capital management firm with a strong reputation for supporting the agricultural sector through responsible lending and innovative credit solutions; benefit from a culture that values collaboration, professional development, and employee wellbeing.
• Enjoy flexible working opportunities including work-from-home equipment, generous superannuation contributions, four weeks of annual leave per year, and a monthly mobile allowance to support your productivity both in the office and remotely.
• Be part of a knowledgeable team where your experience in financial analysis and credit risk assessment will be valued; receive ongoing training opportunities and support for career progression within a stable, growth-oriented organisation.

What You'll Do
As a Senior Credit Analyst based in Sydney, you will play an integral role in shaping the future of agricultural finance by providing expert guidance throughout the entire credit lifecycle. Your day-to-day activities will involve engaging with clients and stakeholders to structure bespoke credit solutions that meet their unique requirements. You will be responsible for conducting rigorous due diligence on new applications—analysing financial statements, assessing cashflow models, reviewing legal documentation—and preparing comprehensive reports for senior decision-makers. In addition to managing renewals and maintaining meticulous records of client portfolios, you will proactively monitor exposures and covenants to safeguard portfolio quality. Your ability to identify potential risks early on will be crucial in protecting both clients' interests and organisational objectives. Working collaboratively with legal teams ensures seamless documentation processes while your technical proficiency enables efficient onboarding into loan management systems. By supporting cross-functional reporting initiatives and participating in special projects, you will contribute significantly to continuous improvement efforts within the business.

• Engage with obligors, brokers, third-party service providers such as farmland and equipment valuators, as well as internal relationship managers to structure credit facilities tailored to client needs.
• Conduct thorough credit underwriting for new customers by completing applications, validating information, performing comprehensive credit searches, legal checks, KYC reviews, financial analysis, preparing detailed credit papers, and presenting findings to the Investment Committee.
• Manage facility renewals and re-underwriting processes by preparing updated credit documentation and presenting recommendations to the Investment Committee for approval.
• Maintain accurate and up-to-date customer portfolio files by ensuring all relevant data is recorded promptly and securely for compliance purposes.
• Perform periodic reviews of obligor exposures, monitor covenant compliance, assess overall portfolio quality, and identify emerging risks that may impact the business or clients.
• Escalate any identified credit risks in a timely manner to ensure proactive risk management across the portfolio.
• Ensure strict adherence to internal credit policies, risk appetite guidelines, and industry best practices at all times.
• Collaborate closely with legal teams to support the preparation of facility documentation and manage execution of variations following Investment Committee approvals.
• Onboard new obligor facilities into the Loan Management System (LMS), ensuring accurate setup of securities, collaterals, KYC details, pricing structures, and related modules are completed efficiently.
• Support reporting functions across Middle Office and Finance departments as required while contributing to special projects that enhance operational effectiveness.

What You Bring
To excel as a Senior Credit Analyst in this role, you will bring proven experience from either banking or agricultural finance sectors where you have developed deep expertise in evaluating complex financial scenarios. Your background includes hands-on exposure to analysing financial statements—particularly cashflow projections—and assessing debt serviceability under various market conditions. You possess strong commercial awareness which allows you to understand client needs holistically while building trust-based relationships with brokers and other stakeholders. Your academic achievements underpin your practical skills; tertiary qualifications equip you with theoretical knowledge that complements your real-world insights. Proficiency with key software tools streamlines your workflow while your communication abilities enable effective collaboration across teams. Above all else, your reliability shines through in every task—from maintaining precise records through onboarding processes—to identifying subtle shifts in risk profiles before they escalate. Your eligibility status ensures compliance with local regulations so you can focus fully on delivering value for clients.

• Minimum five years' experience in a similar analytical or credit-focused role within banking or agricultural finance environments is essential for success in this position.
• Demonstrated expertise in financial statement analysis—including cashflow modelling—and debt serviceability assessment is required to effectively evaluate client applications.
• Strong commercial acumen combined with excellent interpersonal skills enables you to interact considerately with brokers and clients while structuring appropriate credit solutions.
• Proven track record within the agri-sector or broader banking industry is essential; familiarity with agricultural finance products or commodities markets is highly regarded.
• Tertiary qualifications in accounting, finance or a related discipline provide a solid foundation for understanding complex transactions.
• High level of proficiency with Microsoft Office Suite supports efficient report preparation; experience using Equifax or EDX platforms is advantageous but not mandatory.
• Familiarity with Salesforce or similar CRM systems would be beneficial for managing client relationships effectively.
• Exceptional written and verbal communication skills are necessary for preparing clear reports and presenting recommendations confidently to committees.
• Meticulous attention to detail ensures accuracy when maintaining portfolio records or onboarding new facilities into loan management systems.
• Eligibility as an Australian citizen or permanent resident is required due to regulatory obligations.

What Sets This Company Apart
This organisation stands out as an employer of choice thanks to its unwavering commitment to fostering an inclusive workplace where every team member's contribution is recognised. Employees benefit from flexible working arrangements designed around individual needs—whether that means utilising work-from-home kits or taking advantage of generous annual leave entitlements. The company invests heavily in professional development through structured training programmes that encourage continuous learning at every stage of your career journey. A supportive leadership style ensures open lines of communication between staff at all levels while regular feedback sessions promote personal growth. Superannuation contributions are provided in line with legislative requirements so you can plan confidently for your future. Occasional rural travel offers variety without compromising work-life balance since all pre-approved expenses are covered by the employer. With access to modern technology—including office desktops and mobile allowances—you'll have everything needed for success whether working onsite or remotely. Above all else this firm's dedication to ethical lending practices within the agricultural sector means your work has genuine impact—helping communities thrive sustainably over time.

What's Next
If you are ready to take the next step in your career as a Senior Credit Analyst within an organisation that values expertise, collaboration, and personal growth then we want to hear from you

Apply today by clicking on the link below—your future starts here.

Aboriginal and Torres Strait Islander Peoples are encouraged to apply.

To apply please click apply or contact Alana Sargant on or for a confidential discussion.