Commercial Credit Analyst

Keegan Adams; Sydney; Hybrid; AUD 90,000 - 130,000; Full time

Benefits offered by this job

Hybrid working

Autonomy and impact culture

Job summary

Keegan Adams' fintech team in Australia is seeking a Credit Analyst to assess and structure credit for SMEs, focusing on cashflow lending and asset finance. You’ll work with sales and relationship teams to deliver fast, smart credit decisions that balance risk and commercial needs.

You’ll review financial statements, bank data and alternative sources, support portfolio management and ongoing reviews, and look for process improvements in a tech-led, agile environment that rewards collaboration

Qualifications

• Proven background in commercial credit analysis or credit management.
• SME credit decisioning experience is essential, with exposure to asset finance and cashflow lending preferred.
• Ability to make balanced, pragmatic decisions in a fast-moving environment.
• Strong communication and cross-team collaboration.

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 and maintain documentation accuracy.
• Support ongoing portfolio management and periodic reviews of existing clients; identify process improvements to strengthen risk outcomes.

Job description

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 decisioning is 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.

If you’re looking to apply your credit expertise in a fintech where decisions are fast, your input is valued, and your growth is supported, we’d be keen to chat.

Consultant

Alice Pipes

Director