Commercial Credit Analyst

Shift; Miles; Hybrid; AUD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid working

Parental leave

Strategy Week

Flat structure

Wellbeing

Job summary

Shift is hiring a Credit Analyst in Australia to review credit applications from customers and brokers, assess financial statements, and determine appropriate lending options within Shift’s risk framework.

You will engage with applicants, brokers, and internal teams to gather information, provide accurate assessments, and recommend lending limits. The role emphasizes compliance, data accuracy, and opportunities for growth in a collaborative, hybrid environment.

Qualifications

• Experience with delegated lending authority or commercial/business lending is preferred.
• Good understanding of the SME market and lending needs.
• Ability to deliver high-quality customer service and accurate credit assessments.
• Experience analyzing commercial credit via financial statements and bank records.

Responsibilities

• Review and assess commercial credit applications by analyzing financial statements, bank records, and other data.
• Communicate with applicants and brokers to gather information and discuss loan requirements.
• Provide accurate credit assessments and recommend lending limits.
• Match customer applications with appropriate products and services.
• Maintain detailed risk factor records and data in systems to support decisions.
• Build strong relationships with internal teams, customers, and brokers to support growth.
• Follow underwriting guidelines and comply with standards; ensure data accuracy.
• Collaborate with Relationship Managers and Sales teams to provide support and mentorship.
• Identify process improvements to enhance efficiency and service quality.

Skills

Delegated Lending Authority

SME market understanding

Customer service

Credit analysis

Attention to detail

Risk/analytics background

Communication skills

Compliance and data accuracy

Job description

Who is Shift?

Shift provides business finance to small, established and corporate sized businesses in Australia, including Business Overdraft, Equipment Line, Asset Finance, Term Loan and Trade Account. Founded in 2014, Shift has funded more than 30,000 Australian businesses.

At Shift, 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:

• Hybrid working: we’re headquartered in North Sydney with state-based workplaces and offer a hybrid work policy. Our offices have spaces for collaboration, socialising and focused work.

• Parental leave: up to 26 weeks paid.

• Strategy Week: twice a year the whole team comes together to hear the business strategy and product and technology roadmap first-hand, with fortnightly all-company business updates in between.

• Flat structure: everyone can learn from each other and senior leaders across the business.

• Wellbeing: benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to end of trip facilities.

Learn more about working at Shift at shift.com.au/careers.