Lending Analyst

Coastline Bank; Port Macquarie; On-site; AUD 90,000 - 120,000; Full time

Benefits offered by this job

Flexible working arrangements where Ap

Employee discounts on banking products

Support for work-life balance

Job summary

Coastline Bank is seeking a detail-oriented Lending Analyst to join our Credit and Loan Assessment team on the NSW Mid-North Coast. You will assess credit risk, evaluate loan applications, and support our lending portfolio while ensuring regulatory compliance.

The role requires 2–4 years in credit analysis, strong financial appraisal skills, and proficiency with banking software. You will collaborate with customers, brokers, and internal teams to maintain accurate records and help shape lending

Qualifications

• Finance, accounting, economics qualification required.
• 2–4 years in credit analysis or lending in banking.
• Strong analytical and problem-solving skills.
• Proficiency in banking software.
• Attention to detail with large data sets.

Responsibilities

• Analyse loan applications and assess creditworthiness.
• Prepare credit assessments and recommendations.
• Monitor existing portfolios for credit risks.
• Verify documentation for loan processing.
• Conduct cash flow and DSCR analyses.
• Liaise with customers, brokers, and internal teams.
• Maintain records per regulations and policies.
• Assist with credit policies and regulatory reporting.

Skills

Analytical skills

Attention to detail

Communication skills

Independent worker

Credit risk assessment

Education

Finance/Accounting/Economics degree

Tools

Banking software

Job description

Coastline Bank is seeking a detail-oriented and experienced Lending Analyst to join our Credit and Loan Assessment team based on the NSW Mid-North Coast. This is a pivotal role within our banking operations, playing a key part in assessing credit risk, evaluating loan applications, and supporting our lending portfolio management. The Lending Analyst position is essential to maintaining the quality and integrity of our lending decisions, ensuring compliance with regulatory standards whilst supporting the growth of our customer base.

Key responsibilities

Analyse loan applications and credit requests, reviewing financial statements, collateral valuations, and borrower information to assess creditworthiness and risk

Prepare comprehensive credit assessments and recommendations, supporting lending decisions with detailed analysis and risk evaluation

Monitor and review existing loan portfolios to identify potential credit risks and deteriorating accounts

Gather and verify documentation required for loan processing, ensuring accuracy and completeness prior to approval

Conduct financial analysis including cash flow assessments, debt service coverage ratios, and profitability evaluations

Liaise with customers, brokers, and internal teams to obtain additional information and clarify loan requirements

Maintain detailed records and documentation in accordance with banking regulations and internal policies

Support the development and maintenance of credit policies, procedures, and lending guidelines

Assist with regulatory compliance and reporting requirements related to credit assessment and risk management

What we're looking for

Relevant qualification in Finance, Accounting, Business, Economics, or related discipline

2-4 years' experience in credit analysis, lending, or financial analysis within banking/financial services environment

Strong analytical and problem-solving skills with the ability to interpret complex financial information

Proficiency in financial analysis tools and banking software systems

Excellent attention to detail and ability to work accurately with large volumes of data

Strong written and verbal communication skills, with the ability to present findings clearly to stakeholders

Knowledge of credit risk assessment methodologies and lending best practices

Familiarity with relevant banking regulations and compliance requirements

Ability to work independently whilst collaborating effectively within a team environment

Professional certifications such as Certificate IV in Finance and Mortgage Broking or relevant banking credentials would be ideal

What we offer

At Coastline Bank, we are committed to supporting the professional development and wellbeing of our team members. We offer competitive remuneration packages commensurate with experience, opportunities for career progression within the banking sector, and access to professional training and development programmes. We provide a supportive and collaborative work environment where your contributions are valued and recognised. Our benefits include flexible working arrangements where applicable, employee discounts on banking products, and support for work-life balance. We are committed to creating an inclusive workplace and welcome applications from candidates of all backgrounds.

• flexible working arrangements where applicable
• employee discounts on banking products
• support for work-life balance

About us

For 60 years, Coastline Bank has been part of the Mid North Coast fabric, growing alongside the people, businesses, and communities we proudly serve. As a customer-owned, regionally based bank, everything we do is shaped by a simple belief: when our community thrives, we all do.

We see banking differently. It's not just about transactions; it's about trust, relationships and showing up when it matters most. That belief guides how we support our customers and nurture our team: with genuine care, a shared purpose, and a commitment to doing what's right.

Grounded in community and driven by collaboration, Coastline Bank is a place where people care deeply about our customers, about each other, and about creating a stronger future for the region we call home.