Senior Credit Analyst

21 hours ago

Sydney, New South Wales, Australia Dynamoney Full time $120,000 - $180,000 per year

Are you interested in the lending process, account management and problem solving? Are you looking for experience in the Fintech space? Dynamoney is a leading lending partner for businesses and a Fintech lender of the year finalist in the CFBA Lender and Broker Awards. We provide a wide range of financial solutions to manage cash flow and support business growth. We employ more than 80 staff and operate in 4 Australian states.

Job description

Our talented Credit Team has a new and exciting opportunity for a Senior Credit Analyst to support continued growth of our business. You will have strong understanding of SME lending landscape, be an expert in bank statement analysis and take responsibility for assessment / approval of Equipment Finance and Business Loan applications up to $1m.

About the Role

The Senior Credit Analyst is responsible for assessing, analysing and making recommendations on credit proposals across a diverse portfolio of commercial and corporate clients. The role ensures that lending decisions align with the organisation's risk appetite, credit policy, and regulatory requirements, while supporting business growth objectives.

Key responsibilities

  • Engage with internal stakeholders Sales, Legal, Settlements, and Collections
  • Conduct in-depth credit assessment of new and existing customers, including financial analysis, cashflow modelling, industry and market risk evaluation.
  • Prepare high-quality credit submissions with clear recommendations for approval at appropriate delegation levels.
  • Identify, evaluate, and mitigate key credit and counterparty risks.
  • Monitor portfolio performance, including early identification of deteriorating exposures and recommending remedial strategies.
  • Ensure compliance with internal policies, prudential standards, and relevant regulatory requirements
  • Support relationship managers and frontline staff by providing credit structuring guidance and risk insights.
  • Contribute to credit policy development and continuous improvement of risk assessment frameworks.
  • Mentor and provide guidance to junior analysts, fostering analytical and professional growth.
  • Participate in portfolio reviews, stress testing, and industry/sector analysis.
  • Prepare reports and insights for senior management, credit committee, and Board where required.

Successful candidates will have

  • Bachelor's degree in finance, Accounting, Economics, or related field (postgraduate or professional qualifications such as CPA, CFA, or CA desirable).
  • Minimum 5–7 years' experience in credit analysis within banking, financial services, or corporate lending.
  • Extensive knowledge of bank statement analysis is a must
  • Strong financial and credit analysis skills, including proficiency in interpreting financial statements, ratios, and cashflow forecasts.
  • High attention to detail and accuracy in analysis and documentation.
  • Ability to work under pressure, prioritise tasks, and manage competing deadlines.
  • Previously held DLA > $250k
  • Sound judgement with the ability to balance commercial outcomes and risk management
  • Strong knowledge of lending products, credit structuring, security documentation, and risk mitigants.
  • Collaborative and supportive team player, with leadership capabilities.

Benefits

  • WFH day
  • Competitive salary
  • Convenient CBD office location
  • End of trip facilities
  • Smart casual dress policy
  • 4 weeks of annual leave

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