Credit Analyst (9mth contract)

Kubota Australia and New Zealand; City of Melbourne; On-site; AUD 70,000 - 110,000; Full time

Benefits offered by this job

Tech equipment provided

Novated leasing option & discounts

Up to 15% superannuation

21 days annual leave

CSR activities

Job summary

Kubota Australia and New Zealand is seeking an experienced Credit Analyst for a 9-month contract. You will undertake credit assessments for equipment financing across Australia and New Zealand, supporting the end-to-end lending process from application to documentation.

You will work with a collaborative team within a globally recognised, stable brand and contribute to governance, compliance and risk management while delivering timely service and high-quality records.

Qualifications

• Tertiary qualification in business or similar (desirable).
• Experience in credit assessment for equipment/asset finance in financial services.
• Delegated Lending Authority of at least $100,000 or greater.
• Knowledge of Australian and New Zealand legislation (Privacy Act, National Credit Code).
• Ability to analyse and identify lending risk and exercise professional judgement.
• Strong integrity with policy, governance and regulatory compliance.
• Experience in preparing reporting/documentation for internal/external bodies.
• Ability to prioritise workflow to meet deadlines with high service quality.

Responsibilities

• Undertake credit analysis for equipment financing within policy, procedure, and governance requirements.
• Perform and review Credit Bureau, KYC, and compliance checks.
• Prepare and submit for approval a range of documentation including credit memos.
• Maintain records and update databases and logs.
• Manage customer queries and escalate as required.
• Produce compliance/reports for internal use or authorities.
• Identify credit risks and escalate within authority.
• Assist with account management duties.
• Share expertise and mentor colleagues.

Skills

Analytical thinking

Numerical skills

Communication skills

Autonomous work

Team collaboration

Education

Tertiary qualification in business

Job description

As an experienced Credit Analyst with expertise in equipment/ heavy machinery/ motor vehicles, in this 9 month contract you will undertake credit assessment for Australia and New Zealand jurisdictions, providing customer service from application to completion of documentation.

Work with great people in a globally recognised, stable brand with a focus on ongoing business growth and sustainability.

Key Responsibilities

• Undertake credit analysis for equipment financing within policy, procedure, operating guidelines, governance requirements. Undertake assessments within agreed service levels and quality standards and to lending authority limits
• Perform and review Credit Bureau, Know Your Customer (KYC) and compliance checks
• Prepare, and submit for approval, a range of documentation, including but not limited to; credit memos.
• Maintain appropriate record keeping, including updates to required databases, systems and logs
• Manage customer queries, issues and complaints, including effective escalation as required.
• Undertake a range of activity and/or compliance reporting to schedule and/or ad hoc as required for internal use and/or for use by relevant bodies or authorities
• Actively identify credit related risks and issues, particularly in relation to compliance and governance matters, escalating and/or resolving these within limits of authority and responsibility
• Assist with account management duties (as directed)
• Share your expertise including providing support, coaching and mentoring to colleagues

Qualifications

• Tertiary qualification in Business/ similar (desirable)
• Proven experience in a similar role in the Financial Services industry with significant experience in commercial and/ or asset finance credit assessment, ideally in relation to commercial and/ or asset financing for equipment/ heavy machinery/ motor vehicles
• A current (or recent) Delegated Lending Authority of at least $100,000 or greater
• Sound applied knowledge of relevant Australian and New Zealand legislation, including but not limited to; Privacy Act, Code of Banking Practice and National Credit Code
• Proven ability to analyse and identify acceptable lending risk and exercise professional judgment
• Proven integrity in relation to conduct and compliance with policy, procedure, governance and regulatory requirements
• Experience in the preparation of a range of reporting and documentation for internal use and external bodies/ authorities
• Ability to coordinate and prioritise workflow and work items to meet deadlines whilst achieving high levels of service and quality
• Attention to detail and focus on accuracy
• Well developed general computing skills, including proficiency in the use of the MS Office/ Google suite and a lending customer management system
• Proven ability to develop and maintain professional customer and other working relationships
• Highly developed communication and interpersonal skills
• Highly developed numerical capability, analysis and problem-solving skills
• Proven ability to work autonomously without direct supervision, and, as part of a team in a fast paced, dynamic environment

Benefits

• Required tech equipment
• Salary sacrifice option for novated leasing motor vehicle/s and product discounts via Flare Benefits and in-house product purchase discount
• Option to attain up to 15% superannuation
• 21 days Annual Leave
• Opportunity to participate in Corporate Social Responsibility activity