Credit Analyst

Finance One Limited; Townsville City; On-site; AUD 70,000 - 90,000; Full time

Benefits offered by this job

Employee Investment Opportunities

Access to Free and Confidential Couns 

Subsidised Gym Membership

Discounted Private Health Insurance

Ongoing Training and Development

Job summary

Finance One Limited, a leading non-bank lender in Townsville, is expanding its Credit Team. We seek Credit Analysts with experience in consumer lending, SME lending, or unsecured finance to assess applications and make empowered decisions.

Join a collaborative team that values problem solving, regulatory compliance, and exceptional customer service. Start dates are flexible and candidates from nearby regions are welcome.

Qualifications

• Previous experience in consumer credit analysis or SME/business lending.
• Experience in regulated and/or unregulated lending (bank, non-bank, vehicle finance, unsecured loans, low-doc loans).
• Previously held a delegated lending authority.
• Strong attention to detail, divergent thinking, excellent communication and customer service passion.
• Solution-focused, flexible, and collaborative mindset with a drive to exceed KPIs and contribute to team success.
• Qualifications in accounting, banking, or finance are highly regarded.

Responsibilities

• Assess and Approve Loans: Use your expertise to evaluate diverse credit applications and make empowered decisions.
• Collaborate and Communicate: Work with the sales team and brokers on applications and foster future opportunities.
• Drive Solutions: Help customers achieve their financial goals, delivering exceptional service and building strong relationships.
• Compliance First: Ensure all decisions align with policies and regulatory standards.

Skills

Attention to detail

Communication

Customer service

Team collaboration

Analytical thinking

Education

Accounting

Banking

Finance

Job description

Passionate About Finding Solutions? We Are Too!

Join Finance One, where lending meets care and solutions come first.

At Finance One, we're anything but ordinary! As a leading non-bank lender, we pride ourselves on being a solution-based, people-focused organisation that truly cares about making credit accessible in a personalised way.

We're not just lenders; we're passionate problem solvers, redefining the lending experience with care and understanding.

The Opportunity:

We're expanding our Credit Team! If you're a seasoned credit professional from a bank, non-bank, vehicle finance, or unregulated lending background, we want you.

We're looking for Credit Analysts ready to make an impact and be part of something special.

• Do you excel in credit assessments and have a delegated lending authority?
• Have experience in consumer lending, business lending, unsecured cashflow, or low-doc loans?
• Want to join a collaborative team that celebrates success, supports growth, and has fun along the way?

Then this could be your perfect fit!

Why Finance One?

We're a trailblazing non-bank lender providing solutions-based lending with flexibility and authenticity. We have an incredible team based in Townsville, a vibrant community with stunning beaches, outdoor activities, and a friendly atmosphere. We're flexible with start dates, and welcome applicants from surrounding regions.

How You Will Contribute:

• Assess and Approve Loans:Use your expertise to evaluate diverse credit applications and make empowered decisions.
• Collaborate and Communicate:Work with the sales team and brokers, collaborating on applications and fostering future opportunities.
• Drive Solutions:Help customers achieve their financial goals, delivering exceptional service and building strong collaborative relationships.
• Compliance First:Ensure all decisions align with our policies and regulatory standards.

What You'll Love About Us:

We work hard, but we know how to have a good time. From dress-up days to team lunches, our culture is about teamwork, inclusivity, and genuine appreciation for one another. Perks include:

• Employee Investment Opportunities
• Access to Free and Confidential Counselling
• Subsidised Gym Membership
• Discounted Private Health Insurance
• Ongoing Training and Development

What We're Looking For:

• Previous experience in consumer credit analysis or SME/business lending.
• Experience in regulated and/or unregulated lending (bank, non-bank, vehicle finance, unsecured loans, low-doc loans, mortgage loans etc.).
• Previously held a delegated lending authority.
• Strong attention to detail, divergent thinking, excellent communication and customer service passion.
• Solution-focused, flexible, and collaborative mindset with a drive to exceed KPIs and contribute to team success.
• Qualifications in accounting, banking, or finance are highly regarded.

Start Date:We're flexible - we want the best talent and are happy to work with you to make it happen!

Successful candidates must be ready to undergo a National Police Check and relevant industry checks.