Commercial Credit Analyst

Shift; North Sydney; Hybrid; AUD 90,000 - 120,000; Full time

Benefits offered by this job

Birthday leave

End of trip facilities

Job summary

Shift in North Sydney is seeking an experienced Credit Analyst to assess commercial credit applications from customers and brokers, using bank statements, financial statements and other data to determine creditworthiness and lending suitability.

You will work with Relationship Managers and internal teams, ensure underwriting standards and data integrity, and help shape lending outcomes while managing risk in a fast-paced SME environment.

Qualifications

• Experience with delegated lending authority for commercial lending.
• Strong understanding of SME lending and credit risk.
• Ability to analyse bank statements and financial data.

Responsibilities

• Assess commercial credit applications by analysing financial statements and other data.
• Conduct interviews with applicants and brokers to gather information and set loan criteria.
• Provide quantitative credit assessments and recommended lending limits.
• Ensure correct products and services are applied to applications.
• Maintain records of risk factors and mitigation strategies for decision making.
• Build relationships with internal teams, customers and brokers.
• Adhere to underwriting standards and data integrity in core systems.
• Support Relationship Managers with coaching and upskilling.
• Identify opportunities to improve processes and service delivery.

Skills

DLA

Credit analysis

SME know-how

Financial statements

Analytical mindset

Communication skills

Job description

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 play a key role in the customer journey by assessing credit applications from customers and brokers. Using a mix of bank statements, financial statements and other data, you’ll determine creditworthiness and recommend appropriate lending solutions. Your insights will help shape great customer outcomes while managing risk effectively.

What you'll do:

• Assess *commercial credit applications by analysing financial statements, bank statements and other relevant data
• Conduct phone interviews with applicants and brokers to gather information and negotiate loan criteria
• Provide accurate, quantitative credit assessments and recommend lending limits aligned with Shift’s credit appetite
• Ensure correct products and services are applied to customer applications
• Maintain detailed records of key risk factors and mitigation strategies to support decision making
• Build strong relationships with internal teams, customers, and brokers to enhance business performance
• Adhere to credit underwriting standards, compliance policies, and ensure data integrity in core systems
• Support Relationship Managers and Sales teams by providing coaching and upskilling
• Identify opportunities for process and service improvements to boost team efficiency

What you'll bring:

• Previous experience holding a Delegated Lending Authority for commercial/business lending
• Strong business acumen and solid understanding of the SME market
• Experience assessing commercial credit using financial and bank statements; experience with non-traditional data is a plus
• Analytical mindset with strong attention to detail
• Experience in risk or analytics roles or working with finance products in point-of-sale environments is advantageous but not essential
• Excellent communication and relationship-building skills
• Commitment to compliance and data accuracy

*Please note: Prior experience in commercial/business lending is essential

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.

Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.

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