Credit Analyst – Commercial

Victoria - Australia

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

The role is responsible for assessing eligibility and managing and organising data of loan submissions while maintaining good relationships with broker network originators.

Roles and responsibilities

Assessment of Loan Submissions.

Manage and organise loan submission data in accordance with company privacy and data security policies
Conduct assessment of loans by analysing loan application data in accordance with Metro Policies;
Suggest improvements to processes and policies related to data analysis and credit assessments where possible
MPS1 Credit Application and Analysis with use of GPS5 Risk Framework as a general guideline.
Assessment is within the analysts own delegation or recommended up when outside to higher delegation holder. All applications will be processed via the Metro Broker Portal.

Communication with brokers on scenarios/decisioning

Scenarios include potential deal submissions where the sales representative is not available
Decisions include requests for further information/clarification and declining a deal due to incompatibility with Metro Criteria.

Enquiries from other departments as required.

Includes settlements requests for asset pricing or marking off of approval conditions
Sales requests for deal escalations (urgent assessment) and clarification on post approval matters e.g. inspection reports bank statement conditions
Also includes Settlement Spreadsheet Sign Off when rostered on to do so

How to succeed

This role would suit a team player with a can-do attitude willing to take the initiative. Youll possess excellent verbal and written communication skills strong numeracy skills the ability to spread financials and the ability to discuss financial statements with preparers / management. Previous novated-lending experience is an absolute must-have.

We are looking for someone with the following:

Minimum of 5 years recent commercial-lending experience essential in asset-backed lending within either a commercial bank or finance company
Successfully held a Delegated Lending Authority
Preparing credit submissions for approval by higher authority
Ability to build rapport and develop professional relationships with brokers and excellent customer service skills
Knowledge Understanding of fraud detection techniques
Good understanding of Chattel Mortgage and Finance Lease products
Good understanding of current legislative requirements Corporations Act NCCP PPSA AML & CTF and Privacy Act
Must have Australian working rights (citizen or PR)

Benefits

We offer a robust benefits package to help support your health and financial security plus youll enjoy:

Hybrid working model work 3 days in the office and 2 at home
A culture that promotes growth
Fun regular social events so you can get to know your coworkers

We Value Your Wellbeing

Metro Finance believes in diversity equity and inclusion and offers a safe environment to grow. Bring your open mind and can-do attitude to help us deliver our award-winning service to clients. Our culture of continuous improvement gives you opportunities to learn. We encourage you to take advantage of all career development opportunities across department teams to help build your skills.

About Metro Finance

We offer an alternative to traditional bank funding with a modern approach and mindset. Our cutting-edge financial products advanced technology and local expertise set us apart. We excel at providing a real human experience for our fact our Sales Settlements and Credit teams are all regular CAFBA award winners our most recent for 2022 including the prestigious Financier of the Year Credit Team of the Year and Settlements Team of the Year awards. Were also proudly Great Place to Work certified.

If you require further information please contact our Talent Acquisition Manager at

Required Experience:

The role is responsible for assessing eligibility and managing and organising data of loan submissions while maintaining good relationships with broker network originators.Roles and responsibilitiesAssessment of Loan Submissions.Manage and organise loan submission data in accordance with company pri...