Credit Analyst

Overview
Credit Analyst / Business Development Manager (Origination) – Balmain
Balmain, Newcastle, New South Wales, Australia
Role available at Balmain, focusing on credit analysis and origination with emphasis on lead generation and client support. This role combines credit assessment support for the Originator with sales activities to convert opportunities into transactions.
Responsibilities
Credit Analyst Function
Assist the Originator in the origination of loans from initial inquiry, approval and loan settlement
Preparing quality credit submission papers with financial and risk analysis
Financial modelling of clients' accounts to assess income and affordability
Preparation of feasibility and funding studies to analyse project viability
Liaise with internal and external stakeholders throughout the origination process as required
Weekly update and tracking of existing transactions
Management of the Origination team's portfolio with view to client retention, including loan renewals
Ensure that loan renewal, annual review and condition subsequent deadlines are met
Develop and maintain an in-depth knowledge and understanding of Balmain's internal funding programmes, policies, processes and procedures
Maintain a good knowledge of the commercial real estate funding market including banks, non-banks, institutions and private debt funds
Dealing with routine queries received from clients, investment managers, third parties
Completion of all administration requirements in relation to the loans you manage within your team, including database management
Attendance at regular Balmain company and analyst meetings in addition to lender information meetings which are scheduled from time to time
Referring business opportunities to the originator as they arise through existing clients, referrers and wider network
Supporting team members to maximise the efficiency and effectiveness of the team
BDM Function
Identify transaction opportunities and present to the Origination team
Generate viable leads through diverse channels and exposure to an existing client base
With assistance, demonstrate an ability to convert leads into sales
Prepare, update and sustain a Business Plan including, but not limited to, prospecting initiatives, call program, prospect log with follow ups, call pattern
Consistently meet targets set by the Origination team
Cultivate and maintain relationships with professionals and other existing stakeholders
Qualifications
Degree in Commerce/Business or related field
No less than 2-3 years' experience in real estate specific banking and finance roles or real estate
The ability to review, analyse and structure commercial development and investment loans from initial origination stage to financial close
Have a strong understanding of development finance and the construction process
Understand credit risk framework
Working knowledge of commercial loan settlements and sound understanding of settlement process
Demonstrate strong commercial acumen and a strategic approach to client management
Prospecting and networking skills will be critical
Drive to acquire a diverse customer base and meet your set targets
Sales success: showcase a track record of meeting and achieving sales targets and business objectives
Hunter sales mentality is required for success in this role
Ability to analyse and solve problems
Time management & organisational skills
Personable and ability to work in a team
Strong communication, in both written and verbal forms
High level of accuracy and attention to detail
About us
Balmain provides an array of financial services to satisfy client requirements under one brand. We build long-term relationships with business partners to deliver high-quality service to clients and lenders while providing a challenging and rewarding environment for staff. Our success comes from the collective efforts of our people.
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