Senior Associate - Private Credit

Programmed Maintenance Services; Sydney; On-site; AUD 120,000 - 170,000; Full time

Job summary

Programmed Maintenance Services – Sydney CBD NSW is hiring an experienced Senior Associate to review and assess lending transactions across residential, childcare, and townhouse development.

You will form independent credit views, prepare recommendations, and present them for discussion before final approval by the Credit Committee, with potential growth into more senior client-facing work as the team expands.

Qualifications

• Degree-qualified in Finance, Economics or a related field.
• 3-4 years experience in credit, lending, or property analysis. More experienced candidates also welcome.
• Strong technical skills including financial modelling, Excel, and report writing.
• Excellent attention to detail.
• Good time management.
• Strong written and verbal communication skills.
• Collaborative and good teamplayer.

Responsibilities

• Analyse incoming lending and equity transactions across residential, childcare, and townhouse development sectors.
• Conduct due diligence.
• Assess transactions and draft/review term sheets for borrowers and investors, ensuring documentation is accurate and agreements are properly executed.
• Form independent credit recommendations for presentation to the Credit Committee.
• Monitor and manage the existing loan portfolio, ensuring timely reviews and reporting.
• Handle ad‑hoc queries.

Skills

Credit analysis

Financial modelling

Excel

Attention to detail

Communication

Education

Degree in Finance or Economics

Tools

Excel

Job description

Programmed Maintenance Services – Sydney CBD NSW

My client is a boutique Sydney based private credit manager specialising in private debt financing. As their business grows, they are looking for an experienced Senior Associate to come onboard on a permanent basis.

The Role

You will work on diverse, property-backed lending transactions with a broad lending policy, focusing on residential, childcare, and townhouse development transactions.

This role will report to the Operations Manager and play a key role in reviewing and assessing transactions. You will be responsible for forming your own independent credit view, preparing recommendations, and presenting them for discussion before final approval by the Credit Committee.

This role suits someone who enjoys understanding deals from a credit perspective and has the ability to balance commercial opportunity with risk.

This role has significant scope to grow into more senior client‑facing role as the team grows.

Key Responsibilities

• Analyse incoming lending and equity transactions across residential, childcare, and townhouse development sectors
• Conduct due diligence
• Assess transactions and draft/review term sheets for borrowers and investors, ensuring documentation is accurate and agreements are properly executed
• Form independent credit recommendations for presentation to the Credit Committee
• Monitor and manage the existing loan portfolio, ensuring timely reviews and reporting
• Ensure service level agreements are metHandling ad‑hoc queries

Skills & Experience

• Degree-qualified in Finance, Economics or a related field
• 3-4 years experience in credit, lending, or property analysis. More experienced candidates also welcome
• Strong technical skills including financial modelling, Excel, and report writing
• Excellent attention to detail
• Good time management li>
• Strong written and verbal communication skills.
• Collaborative and good teamplayer