Commercial Credit Analyst

Keegan Adams Recruitment; North Sydney; Hybrid; AUD 90,000 - 120,000; Full time

Job summary

Keegan Adams Recruitment in North Sydney NSW is seeking a Credit Analyst for a high growth fintech redefining business lending in Australia. You will assess and structure credit for SMEs, focusing on cashflow lending and asset finance, and work closely with sales and relationship teams to deliver smart credit decisions.

The role requires a background in commercial credit analysis and SME decisioning, with comfort in an agile, tech-led environment.

Qualifications

• Experience in commercial credit analysis or credit management.
• SME credit decisioning experience is essential.
• Exposure to asset finance and cashflow lending preferred.
• Able to make balanced decisions in a fast-moving environment.

Responsibilities

• Conduct end-to-end credit assessments using financial statements, bank data, and alternative sources.
• Partner with Relationship Managers and Brokers to structure tailored funding solutions.
• Analyse financial and non-financial risk to make informed lending decisions; maintain accuracy and compliance across systems and documentation.
• Support ongoing portfolio management and periodic reviews of existing clients; identify opportunities to streamline processes and strengthen risk outcomes.

Skills

Commercial credit analysis

Credit management

SME credit decisioning

Asset finance

Cashflow lending

Financial statement analysis

Tools

DLA

Job description

Keegan Adams Recruitment - North Sydney NSW

The Opportunity

Join a high growth fintech that's redefining business lending in Australia. With over a decade of experience solving complex credit challenges for SMEs, this business is continuing to scale and looking for a Credit Analyst to help shape the future of their small to mid-market lending.

You'll assess and structure credit for small to mid-sized businesses, focused on commercial transactions such as cashflow lending and asset finance. Partnering closely with the sales and relationship teams, you'll play a key role in delivering smart, tech-driven credit decisions that balance risk, commerciality, and speed.

What You'll Do

• Conduct end-to-end credit assessments using financial statements, bank data, and alternative sources.
• Partner with Relationship Managers and Brokers to structure tailored funding solutions.
• Analyse financial and non-financial risk to make informed, timely lending decisions. Maintain accuracy and compliance across systems and documentation.
• Support ongoing portfolio management and periodic reviews of existing clients.
  Contribute to continuous improvement by identifying ways to streamline processes and strengthen risk outcomes.

What You'll Bring

• Proven background in commercial credit analysis or credit management, ideally with DLA.
• SME credit decisioningis essential, with exposure to both asset finance and cashflow lending preferred.
• Ability to make balanced, pragmatic decisions in a fast-moving environment.
• A confident communicator who can work collaboratively across teams.
• Comfortable in an agile, technology-led business where innovation and accountability drive success.

Why This Role

• Progression opportunities as the business continues to scale.
• Hybrid working and a culture that values autonomy and impact.
• Dynamic environment free from the layers and bureaucracy of traditional banks.