Hermes Capital Australia is a boutique private credit and commercial finance firm providing tailored, agile and practical funding solutions to businesses across a range of industries.

As we continue to grow, we’re looking for a commercially minded, switched-on Commercial Credit Analyst to join our team and support transactions from initial assessment through to settlement.

This isn’t just a number-crunching role.You need to be comfortable with financial statements, cash flow, credit analysis and spreadsheets. But just as importantly, you need common sense, curiosity, critical thinking and practical commercial judgement.

We want someone who can look beyond the numbers and ask:

- What is actually happening in this business?
- Is the narrative reflected in the financials?
- Where does repayment really come from?
- What could go wrong?
- What information actually matters, what’s noise, and what’s missing?
- Can the risks be addressed through sensible structuring?
- What needs to happen to get this deal settled?

What You’ll DoYou’ll work closely with our origination team and senior management across the full deal lifecycle. Credit & Commercial Analysis

- Assess commercial finance applications and analyse financial and supporting information
- Understand the business, cash flow, servicing, security and exit strategy behind each transaction
- Identify inconsistencies, missing information and risks requiring further investigation
- Undertake company, industry and transaction-specific research
- Prepare concise credit submissions with clear recommendations




- Help structure commercially sensible transactions while appropriately managing risk

Deal Execution & Settlements

- Take ownership of approved transactions through to settlement
- Coordinate borrowers, brokers, solicitors, valuers, funders and other stakeholders
- Manage conditions precedent, documentation and settlement requirements
- Anticipate and resolve issues before they delay a transaction
- Ensure settlement figures and documentation are accurate
- Keep deals moving and stakeholders informed

AI Is Part of the JobWe actively use AI and technology to improve how we analyse transactions and operate our business. You don’t need to be an AI expert or programmer. You do need to be comfortable using AI to make yourself a better analyst—to interrogate information, research businesses and industries, identify anomalies, compare documents, accelerate analysis and improve workflows.

AI can help you reach an answer faster. It can’t replace your judgement.

You’ll be expected to verify information, challenge assumptions and form your own commercial view.

Who We’re Looking ForYou’ll ideally have experience in commercial lending, private credit, banking, finance or a related analytical role. But your exact background matters less than how you think and operate.

We’re looking for someone who:





- Has strong common sense, critical thinking and commercial judgement
- Is curious, asks good questions and notices when something doesn’t make sense
- Can analyse financial information without losing sight of the bigger picture
- Can distinguish what matters from what doesn’t—and identify what’s missing
- Is comfortable forming and defending a view
- Is practical, solutions-oriented and takes ownership
- Can manage multiple live transactions and competing deadlines
- Communicates confidently with clients and professional stakeholders
- Embraces AI, technology and better ways of working
- Has strong attention to detail

Experience in commercial credit or lending and a relevant degree will be highly regarded, but capability, judgement and attitude matter more to us than collecting credentials. Why Hermes Capital?You’ll join a small, capable team where you can see and influence the entire transaction, rather than analysing one piece before passing it to another department.

You’ll work directly with experienced decision-makers, gain exposure to credit and transaction structuring, use contemporary technology and AI, and have meaningful responsibility from an early stage.

As Hermes Capital grows, there will be opportunities to expand your responsibilities across credit, transactions, portfolio management and broader commercial functions.

If you’re the type of person who looks at a deal and instinctively asks, “Does this actually make sense?”—we’d like to hear from you.

Apply via [email protected]

📌 Commercial Credit Analyst (Sydney)
🏢 Hermes Capital Australia
📍 Sydney