Senior Credit Analyst

ABCredit Funding Pty Limited; Sydney; Hybrid; AUD 120,000 - 180,000; Full time

Job summary

Australian Business Credit is seeking a credit professional to own end-to-end assessments across all products. You will prepare papers for the Investment, Credit and Risk Committee and lead the monthly portfolio monitoring cycle. Role requires 3+ years of credit assessment experience, strong Excel skills, and ability to manage arrears and portfolio remediation.

Hybrid base in Miranda, Australia. You will write credit policies from scratch with the Portfolio Manager and work with brokers and

Qualifications

• 3+ years assessing credit in non-bank, commercial or business banking, asset finance, invoice finance, bridging or commercial property.
• Have written credit assessment papers yourself, from application to recommendation.
• Read financial statements properly and comfortable in Excel.
• Know PPSR, GSAs, guarantees, mortgages and trust structures.
• Can write clearly – papers get read by funders.
• Strong written and verbal communication skills, with confidence dealing directly with brokers and borrowers.
• High attention to detail and ability to manage multiple files simultaneously under time pressure.
• Experience managing active loan portfolios post-settlement, including arrears management, defaults, and borrower remediation is advantageous.

Responsibilities

• Own credit assessment end to end across all products including verification searches, financial statement review, commission income analysis, valuation, serviceability, security, and KYC.
• Prepare credit papers and recommendations to the Investment, Credit and Risk Committee.
• Run the monthly portfolio monitoring cycle.
• Manage first-line arrears.
• Rewrite the credit policy for the portfolio from scratch with the Portfolio Manager.
• Liaise professionally with brokers, borrowers, and referral partners throughout the application process.
• Collaborate with BDMs, loan writers, and senior credit staff to maintain efficient deal flow.

Skills

Credit assessment

Financial statement analysis

Excel proficiency

Written communication

Verbal communication

Attention to detail

Portfolio management

Arrears management

Tools

PPSR

GSAs

Mortgages

Guarantees

Trust structures

Job description

You will own credit assessment end to end across all products. Verification searches, financial statement review, commission income analysis, valuation on the property side, serviceability, security, KYC - then the credit paper and your recommendation to our Investment, Credit and Risk Committee. You will also run the monthly portfolio monitoring cycle, manage first-line arrears, and rewrite the credit policy for the portfolio from scratch, with the Portfolio Manager. You will not be feeding an automated decisioning engine. Every deal is assessed on its merits and written up by hand, and your recommendation carries weight in the room.

Key responsibilities

Own credit assessment end to end across all products including verification searches, financial statement review, commission income analysis, valuation, serviceability, security, and KYC

Prepare credit papers and recommendations to the Investment, Credit and Risk Committee

Run the monthly portfolio monitoring cycle

Manage first-line arrears

Rewrite the credit policy for the portfolio from scratch with the Portfolio Manager

Liaise professionally with brokers, borrowers, and referral partners throughout the application process

Collaborate with BDMs, loan writers, and senior credit staff to maintain efficient deal flow

About you

Minimum 3 years assessing credit in non-bank, commercial or business banking, asset finance, invoice finance, bridging or commercial property

Have written credit assessment papers yourself, from application to recommendation

Read financial statements properly and comfortable in Excel

Know your way around PPSR, GSAs, guarantees, mortgages and trust structures

Can write clearly - papers get read by funders

Strong written and verbal communication skills, with confidence dealing directly with brokers and borrowers

High attention to detail and ability to manage multiple files simultaneously under time pressure

Experience managing active loan portfolios post-settlement, including arrears management, defaults, and borrower remediation is advantageous

Unlimited work rights in Australia (mandatory)

About us

Australian Business Credit is a specialist non-bank lender. We lend to commission-based businesses - mortgage brokers, mortgage managers and financial planners - against their contracted trail income, and we write property-backed facilities to commercial borrowers. We are adding a second credit professional because the book has outgrown a one-person credit function.

Miranda base with hybrid working

Small team with no layers - you will present your own work to the committee

The chance to build a credit framework rather than inherit one

Growing book with scope to expand as the business grows