Commercial Credit Analyst

2 weeks ago

Sydney, New South Wales, Australia PLENTI GROUP Full time $90,000 - $120,000 per year

Who is Plenti?

Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.

We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 250 people based in Australia, Plenti is of a size where everyone can make a difference in their role and help us realise our very big ambitions as a team, as we go about building Australia's best lender.

Plenti is a founder led business that launched in 2014, listed on the ASX since 2020 with annual revenue of over $250 million and a loan portfolio of over $2.5 billion.

Role Summary

The Commercial Credit Analyst is responsible for assessing and decisioning commercial asset finance loan applications, specifically those submitted through streamlined or low-documentation processes. This role plays a critical function in mitigating credit risk, ensuring compliance with regulatory obligations (including AML/CTF, Privacy Act, ASIC guidelines, and PPSA), and upholding Plenti's credit policy and risk appetite. The analyst must evaluate borrower information, detect potential fraud or misrepresentation, and ensure accurate and compliant processing while meeting individual and team performance targets.

Key Responsibilities:

  • Assess and decision commercial asset finance loan applications (streamline/low doc)
  • Maintain credit policy integrity and ensure decisions are aligned with risk appetite
  • Verify borrower and broker-submitted information for accuracy and compliance
  • Identify potential fraud or inconsistencies in applications
  • Conduct KYC and AML/CTF checks in accordance with legal and internal standards
  • Communicate decisions clearly to internal and external stakeholders.
  • Maintain strong relationships with commercial originators
  • Meet daily activity targets and team SLAs

Key Qualifications:

  • Minimum 2 years of experience as a Commercial Credit Analyst in the asset finance sector

Key Competencies:

  • High processing speed and accuracy with large volumes of applications
  • Strong interpersonal and stakeholder communication skills
  • Attention to detail and fraud detection capabilities
  • Ability to maintain regulatory compliance under pressure

What's life like at Plenti?

Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It's a place where everyone can "make it happen" and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia's financial eco-system for the good.

In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.

Plenti is committed to a diverse and inclusive workforce.

We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know of any reasonable adjustments you may need during the interview process so we can accommodate you.

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