Commercial Credit Analyst (Part-Time)

Who is Shift

At Shift were business specialists dedicated to helping Australian SMEs take control of their cashflow streamline trade terms and choose the right financial products.

We believe Australian businesses are the driving force behind our economy and are core to our communities. Thats why our business expertise focus on relationships and market-leading technology is at the core of everything we do. Weve helped solve the credit and payment pain points for more than 30000 businesses providing over $6 billion in aggregate funding.

Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. Youll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses.

About the role:
As a Credit Analyst at Shift youll be a crucial part of our customers journeys carefully reviewing credit applications from both customers and brokers. With a keen eye for detail youll look at bank statements financial documents and other key information to help determine each applicants creditworthiness and suggest the right lending options. Your expertise will not only help us manage risk but also contribute to outstanding outcomes for our customers.

This is a part-time opportunity offering flexibility to suit your lifestyle while making a meaningful impact on our team and customers.

What youll do:

• Review and assess commercial credit applications by analysing financial statements bank records and other important data

• Connect with applicants and brokers over the phone to gather information and discuss loan requirements

• Deliver accurate and thorough credit assessments recommending lending limits that fit Shifts approach

• Make sure every customer application is matched with the right products and services

• Keep detailed records of risk factors and ways to manage them supporting confident decision-making

• Develop strong relationships with internal teams customers and brokers to support business growth

• Follow credit underwriting guidelines and compliance standards and maintain accurate data in our systems

• Team up with Relationship Managers and Sales teams offering support coaching and mentorship

• Look for ways to improve our processes and service helping the whole team work more efficiently

What youll bring:

• Previous experience with Delegated Lending Authority in commercial or business lending

• Strong business sense with a solid grasp of the SME market

• Proven ability to deliver excellent customer service

• Experience analysing commercial credit through financial and bank statements (bonus points for familiarity with non-traditional data!)

• A sharp analytical mindset with great attention to detail

• Background in risk or analytics roles or experience with finance products in point-of-sale settings is a plus but not required

• Fantastic communication skills and the ability to build lasting relationships

• A dedication to compliance and ensuring data accuracy

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Key benefits:

• Collaborative teams a flat structure means everyone can learn from colleagues and senior leaders around the business.

• Be involved come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.

• Flexible working environment were headquartered in North Sydney with state-based workplaces and offer a flexible work policy.

• Family support industry leading 26 weeks paid parental leave.

• Purpose built spaces within our office designed for collaboration brainstorming socialising and focused work.

• Range of benefits supporting your physical psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.

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Required Experience:

IC