Commercial Credit Analyst (Part-Time)

Shift; Melbourne; Hybrid; AUD 60,000 - 85,000; Part time

Benefits offered by this job

Flat structure

Roadmap updates every 100 days

Flexible working policy

26 weeks parental leave

Office spaces designed for teamwork

Wellbeing benefits

Job summary

Shift, a leading Australian SME specialist, is seeking a part-time Credit Analyst in Melbourne to review credit applications from customers and brokers. You’ll assess bank statements and financial documents to determine creditworthiness and propose lending options that balance risk with customer outcomes.

You’ll join a collaborative, flexible team focused on delivering outstanding results for Australian businesses, with opportunities to grow in credit underwriting and relationship management.

Qualifications

• Experience with Delegated Lending Authority in commercial or business lending is essential.
• Strong business sense with understanding of the SME market.
• Proven ability to deliver excellent customer service.
• Excellent communication skills and ability to build relationships.
• Sharp analytical mindset with great attention to detail.
• Background in risk or analytics roles is a plus but not required.
• Dedication to compliance and data accuracy.

Responsibilities

• Review and assess commercial credit applications by analysing financial statements, bank records, and related data.
• Contact applicants and brokers to gather information and discuss loan requirements.
• Provide accurate credit assessments and recommend lending limits aligned with Shift’s approach.
• Match each application with suitable products and services.
• Maintain records of risk factors and mitigation approaches for decision-making.
• Develop strong relationships with internal teams, customers and brokers to support growth.
• Follow underwriting guidelines and maintain data accuracy in systems.
• Collaborate with Relationship Managers and Sales teams to offer support and coaching.
• Suggest process improvements to enhance efficiency and service.

Skills

Delegated Lending Authority

SME market knowledge

Customer service

Communication skills

Attention to detail

Compliance & data accuracy

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.

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 at Shift, 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.

This is a part‑time opportunity, offering flexibility to suit your lifestyle, while making a meaningful impact on our team and customers.

What you'll do:

• Review and assess commercial credit applications by analysing 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
• Proven ability to deliver excellent customer service
• Experience analysing 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.