Commercial Credit Analyst

Shift; Melbourne; On-site; AUD 70,000 - 110,000; Full time

Benefits offered by this job

Flexible work policy

Parental leave 26 weeks

Collaboration spaces in office

End of trip facilities

Job summary

Shift is seeking a Credit Analyst in Australia to evaluate commercial credit applications by reviewing financial data, bank statements, and related documents. You'll engage with applicants and brokers by phone to clarify requirements and present suitable lending options.

Your role supports risk management and customer outcomes through precise underwriting and collaboration with internal teams. Ideal candidates bring Delegated Lending Authority experience, strong SME market knowledge, and a

Qualifications

• 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 analyzing commercial credit through financial and bank statements.

Responsibilities

• Review and assess commercial credit applications by analyzing 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 Shift’s 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.

Skills

Delegated Lending Authority

SME market understanding

Customer service

Credit analysis

Communication

Compliance

Data accuracy

Risk/analytics

Finance products (POS)

Job description

Who is Shift?

At Shift, we’re 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. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 30,000 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. You’ll 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, you'll be a crucial part of our customers' journeys, carefully reviewing credit applications from both customers and brokers. With a keen eye for detail, you'll look at bank statements, financial documents, and other key information to help determine each applicant’s 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.

What you'll do:

• Review and assess commercial credit applications by analyzing 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 Shift’s 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 you'll bring:

• Previous experience with Delegated Lending Authority in commercial or business lending
• Strong business sense, with a solid grasp of the SME market
• A proven ability to deliver excellent customer service
• Experience analyzing 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

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 – we’re 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.