Credit Analyst – Commercial

The role is responsible for assessing eligibility and managing and organising data of loan submissions while maintaining good relationships with broker network originators.

Roles and responsibilities

Assessment of Loan Submissions.

• Manage and organise loan submission data in accordance with company privacy and data security policies
• Conduct assessment of loans by analysing loan application data in accordance with Metro Policies;
• Suggest improvements to processes and policies related to data analysis and credit assessments where possible
• MPS1 Credit Application and Analysis with use of GPS5 Risk Framework as a general guideline.
• Assessment is within the analyst's own delegation or recommended up when outside to higher delegation holder. All applications will be processed via the Metro Broker Portal.

Communication with brokers on scenarios/decisioning

• Scenarios include potential deal submissions where the sales representative is not available
• Decisions include requests for further information/clarification and declining a deal due to incompatibility with Metro Criteria.

Enquiries from other departments as required.

• Includes settlements requests for asset pricing or marking off of approval conditions
• Sales requests for deal escalations (urgent assessment) and clarification on post approval matters e.g. inspection reports, bank statement conditions
• Also includes Settlement Spreadsheet Sign Off when rostered on to do so

How to succeed

This role would suit a team player with a can-do attitude, willing to take the initiative. You'll possess excellent verbal and written communication skills, strong numeracy skills, the ability to spread financials and the ability to discuss financial statements with preparers / management. Previous novated-lending experience is an absolute must-have.

We are looking for someone with the following:

• Minimum of 5 years recent commercial-lending experience essential in asset-backed lending within either a commercial bank or finance company
• Successfully held a Delegated Lending Authority
• Preparing credit submissions for approval by higher authority
• Ability to build rapport and develop professional relationships with brokers and excellent customer service skills
• Knowledge Understanding of fraud detection techniques
• Good understanding of Chattel Mortgage and Finance Lease products
• Good understanding of current legislative requirements, Corporations Act, NCCP, PPSA, AML & CTF and Privacy Act
• Must have Australian working rights (citizen or PR)

Benefits

We offer a robust benefits package to help support your health and financial security, plus you'll enjoy:

• Hybrid working model – work 3 days in the office and 2 at home
• A culture that promotes growth
• Fun, regular social events so you can get to know your coworkers

We Value Your Wellbeing

Metro Finance believes in diversity, equity, and inclusion and offers a safe environment to grow. Bring your open mind and can-do attitude to help us deliver our award-winning service to clients. Our culture of continuous improvement gives you opportunities to learn. We encourage you to take advantage of all career development opportunities across department teams to help build your skills.

About Metro Finance

We offer an alternative to traditional bank funding with a modern approach and mindset. Our cutting-edge financial products, advanced technology, and local expertise set us apart. We excel at providing a real human experience for our customers. In fact, our Sales, Settlements, and Credit teams are all regular CAFBA award winners, our most recent for 2022 including the prestigious Financier of the Year, Credit Team of the Year and Settlements Team of the Year awards. We're also proudly "Great Place to Work" certified.

If you require further information please contact our Talent Acquisition Manager at