Senior Credit Analyst — Commercial Asset & Equipment Finance

Three Peaks Finance; City of Melbourne; Hybrid; AUD 90,000 - 120,000; Full time

Job summary

A leading finance brokerage in Melbourne is seeking a Senior Credit Analyst to oversee all credit applications. The role requires over 5 years of experience in asset and equipment finance, strong analytical skills, and effective communication with brokers and lenders. You will manage the credit process to ensure quality and speed of submissions. This position offers a hybrid work model with one day working from home.

Qualifications

• 5+ years in bank/brokerage credit or senior broker support in asset/equipment finance.
• Ability to read and analyze company financial data.
• Strong writing skills and CRM discipline.

Responsibilities

• Assess transactions across commercial asset finance and recommend structures.
• Liaise with BDMs and credit officers to negotiate and resolve queries.
• Manage credit conditions from approval to final sign-off.

Skills

Credit assessment

Policy interpretation

Communication

Analytical skills

Negotiation

Job description

Senior Credit Analyst — Commercial Asset & Equipment Finance

Three Peaks Finance is a fast-growing commercial asset & equipment finance brokerage serving heavy equipment, transport, construction, manufacturing and related sectors. We've just won Emerging Broker Firm of the Year. We act as one partner across the major banks to deliver competitive options and fast approvals with minimal hassle for our clients.

The Opportunity

We're hiring a Senior Credit Analyst (Full Time) to be the centre of gravity for all credit applications across Low-Doc, Mid-Doc and Full-Doc deals. You will own credit quality and speed to submission, liaise directly with lenders, and free brokers to focus on bringing in more business.

What You'll Do

Credit

Triage, structure and assess transactions across commercial asset finance; confirm policy fit and recommend structures (term, residual/balloon, security, guarantees as appropriate).

Complete servicing calculations and prepare credit memos.

Liaise directly with BDMs and credit officers to workshop transactions, negotiate mitigants and resolve queries quickly.

Manage credit conditions from conditional approval to final sign-off; anticipate/document lender questions to lift first-pass approval outcomes.

Packaging & Submission

Utilise lender portals and build application packs to be submitted for approval.

Perform QA on all deals prior to submission.

Coordinate valuation/PPSR requirements and keep files audit-ready.

Broker Enablement & Governance

Maintain impeccable filing & CRM Tasks/Alerts so file status is always live; communicate proactively with brokers and key stakeholders.

Contribute to template/checklist improvements that reduce rework and time-to-submission.

Support Ops on settlement readiness.

What You Bring

5+ years in bank/brokerage credit or senior broker support in asset/equipment finance; strong policy interpretation and structuring.

Capacity to read and analyse company financial data.

Confident communicating directly with BDMs/credit teams; able to negotiate and document mitigants succinctly.

High throughput with accuracy; excellent writing skills and CRM discipline.

Logistics & Offer

Full-time, on-shore, hybrid (1 WFH day).