Credit Analyst

Shape the Future of Client Success with 3Finance

At 3Finance, we're not just processing loans — we're solving complex financial puzzles and delivering outcomes that change lives. We're looking for a proactive and detail-focused Credit Analyst or Para Broker to join our high-performing team on a permanent part-time or full-time basis.

If you love working with numbers, data, and people, this is your chance to be part of a supportive, growth-focused environment where your expertise directly contributes to our clients' success. In this pivotal, client-facing role, you'll:

• Spot and resolve information gaps before they become issues
• Interpret complex lending scenarios with clarity and confidence
• Collaborate to create quality advice and life changing outcomes for our clients
• Help streamline and improve our processes for even greater efficiency

You'll join a team that values excellence, collaboration, and continual improvement — and we'll back you with the tools, training, and environment to thrive.

Roles & Responsibilities

In this role, you will work closely with our Managing Director and our Broker Team to support clients through the full lending journey — from initial assessment to settlement — ensuring every application is accurate, compliant, and positioned for success. Your responsibilities will include:

Loan Assessment & Structuring

• Analyse client financials, income streams, and ownership structures to build accurate statements of position and servicing calculations.
• Prepare detailed financial analysis to inform lending strategies and deal structuring.
• Identify potential risks and opportunities to ensure applications meet both client goals and lender requirements.
• Map out tailored lending structures aligned with client objectives and lender policy.
• Workshop complex scenarios with the Broker to refine deal positioning before presenting to lenders.

Lender Engagement & Application Preparation

• Present scenarios to lenders with clear supporting documentation.
• Engage with lenders to address queries on credit papers and loan scenarios.
• Summarise outcomes from lender discussions to form clear client recommendations.
• Structure client requirements into compliance-ready documentation.
• Assist in preparing and presenting compliance documents and application forms to clients.

Application Submission & Post-Approval

• Submit accurate and complete loan applications to lenders.
• Review loan offer documents with clients, ensuring understanding and accuracy before execution.
• Liaise with lenders on any post-submission queries or conditions.

Process Improvement & Collaboration

• Work with the team to document and refine our end-to-end loan process for greater efficiency.
• Contribute to ongoing improvements in systems, templates, and client experience.
• Collaborate with team members to share insights, strategies, and best practices.

Key Skills & Attributes

We're looking for someone who brings both technical expertise and a collaborative mindset. To thrive in this role, you will have:

• Experience in credit analysis, loan processing, or para broking

• (experience with complex lending structures highly regarded).

• Strong analytical skills with the ability to interpret financial statements.
• High attention to detail and accuracy in all aspects of data entry, calculations, and documentation.
• Confidence in engaging with lenders, interpreting policy, and resolving credit queries.
• Excellent written and verbal communication skills for client and lender interactions.
• A proactive approach to identifying risks, opportunities, and process improvements.
• Ability to manage multiple tasks and deadlines in a fast-paced environment.

• Proficiency in loan application software and Microsoft Office Suite

• (experience with broker CRMs advantageous).

• A genuine interest in finance, lending, and helping clients achieve their goals.
• Professionalism, integrity, and a positive, solutions-focused attitude.

Why Join 3Finance?

• Work alongside a supportive, experienced team committed to your professional growth.
• Gain exposure to a wide range of lending scenarios and client profiles.
• Be part of a culture that values accuracy, efficiency, and client success.
• Enjoy the flexibility of a permanent part-time or full-time role.

If you're ready to bring your skills to a team that values your contribution and encourages you to grow, we'd love to hear from you.

APPLY NOW with your resume and a brief cover letter outlining your experience and interest in the role.