Credit Analyst

Michael Page; City of Brisbane; On-site; AUD 70,000 - 100,000; Full time

Benefits offered by this job

Team culture

Flexible work

Mentoring

Wellbeing & balance

Career progression

Competitive salary

Job summary

Michael Page is partnering with a leading global financial services organization in Australia to recruit a Commercial Credit Analyst. You will assess, structure, and manage commercial credit exposures, contributing to business growth and sound risk management.

On offer is a permanent, full-time role with a clear progression pathway. The ideal candidate has experience in credit analysis, underwriting, lending, and risk assessment, with strong communication and collaboration skills.

Qualifications

• A degree in Accounting, Finance, Commerce or a related discipline.
• Experience in credit analysis, underwriting, lending, banking, risk assessment or financial analysis.
• Strong ability to interpret financial information and assess risk.
• Excellent attention to detail and problem-solving skills.
• Strong written and verbal communication abilities.
• A proactive, self-motivated and accountable approach.
• The ability to manage competing priorities in a fast-paced environment.
• A collaborative mindset and willingness to support team success.
• Interest in technology, process improvement and evolving ways of working.

Responsibilities

• Assessing and underwriting commercial credit applications.
• Analysing financial statements, cash flow and customer performance.
• Preparing detailed credit submissions, risk assessments and recommendations.
• Managing dealer and customer relationships within a commercial finance environment.
• Monitoring borrower performance and establishing appropriate credit limits.
• Supporting collections and risk mitigation strategies where required.
• Preparing and negotiating credit documentation and lending agreements.
• Identifying opportunities to support new and existing business growth.
• Contributing to process improvement initiatives, including digital and automation solutions.
• Producing portfolio insights, reporting and risk trend analysis.
• Supporting and collaborating with team members across the broader credit function.

Skills

Credit analysis

Underwriting

Financial analysis

Risk assessment

Communication

Education

Degree in Accounting/Finance/Commerce

Job description

Working within a dynamic Credit & Risk function, you'll assess, structure and manage commercial credit exposures while contributing to business growth and sound risk management outcomes.

Key responsibilities include:

• Assessing and underwriting commercial credit applications
• Analysing financial statements, cash flow and customer performance
• Preparing detailed credit submissions, risk assessments and recommendations
• Managing dealer and customer relationships within a commercial finance environment
• Monitoring borrower performance and establishing appropriate credit limits
• Supporting collections and risk mitigation strategies where required
• Preparing and negotiating credit documentation and lending agreements
• Identifying opportunities to support new and existing business growth
• Contributing to process improvement initiatives, including digital and automation solutions
• Producing portfolio insights, reporting and risk trend analysis
• Supporting and collaborating with team members across the broader credit function

Working within a dynamic Credit & Risk function, you'll assess, structure and manage commercial credit exposures while contributing to business growth and sound risk management outcomes.

Key responsibilities include:

• Assessing and underwriting commercial credit applications
• Analysing financial statements, cash flow and customer performance
• Preparing detailed credit submissions, risk assessments and recommendations
• Managing dealer and customer relationships within a commercial finance environment
• Monitoring borrower performance and establishing appropriate credit limits
• Supporting collections and risk mitigation strategies where required
• Preparing and negotiating credit documentation and lending agreements
• Identifying opportunities to support new and existing business growth
• Contributing to process improvement initiatives, including digital and automation solutions
• Producing portfolio insights, reporting and risk trend analysis
• Supporting and collaborating with team members across the broader credit function

Permanent, full time Clear progression pathway

• A degree in Accounting, Finance, Commerce or a related discipline
• Experience in credit analysis, underwriting, lending, banking, risk assessment or financial analysis
• Strong ability to interpret financial information and assess risk
• Excellent attention to detail and problem-solving skills
• Strong written and verbal communication abilities
• A proactive, self-motivated and accountable approach
• The ability to manage competing priorities in a fast-paced environment
• A collaborative mindset and willingness to support team success
• Interest in technology, process improvement and evolving ways of working

We're partnering with a leading global financial services organisation to recruit a Commercial Credit Analyst to join a high-performing Credit & Risk team. This is an opportunity to work on meaningful credit decisions, develop your underwriting capability, and build a long-term career in commercial finance.

Whether you're an early-career credit professional ready for the next step or someone with established commercial credit experience, you'll be supported by a collaborative team and exposed to a diverse portfolio of dealer and customer relationships.

• A supportive and inclusive team culture
• Exposure to complex commercial credit and risk decisions
• Ongoing professional development and mentoring
• Career progression within a global organisation
• Flexible working arrangements
• Modern systems and technology-driven ways of working
• Strong focus on employee wellbeing and work-life balance
• Competitive salary and benefits package