Job Description

We're growing and are looking for a Commercial Credit Analyst to join the team.

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You'll assess financials, manage credit risk, and support lending decisions must have experience in small business and commercial lending.

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About us

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Finstro has been solving financial challenges within B2B Trade finance since 2014 and served global businesses with over $1 billion in Trade Payments.

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Finstro provides a complete cashflow management platform, enabling customer and supplier payments and providing innovative credit-based solutions to help businesses grow.

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We are the solution to pay and get paid on terms that suit your business.

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Key Responsibilities

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- Provide timely and accurate credit assessment of current & existing clients for facility limits up to $100k, appropriate reasoning evident when outside policy.
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- Review and interpret financial statements (P&L;, balance sheet, cash flow) as part of a loan application, which includes bank statements, government benefits and other financial records to validate business income and expenses as part of a loan application
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- Back up for Preparation of Credit Submissions for deal size greater than $100k, including applying for Trade Credit Insurance.
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- Management of Client applications, queries and challenges posed by Business Development Managers, Account Managers & Referral Partners.
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- Timely registration of PPSR interests for all approved clients
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- Preparation & submission of Equifax Alert Files
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- Ensure compliance with credit policies and regulations.
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- Collaborating with other departments to share analysis findings and support business decisions.
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- Validation of all transactions to ensure fraud risk is minimized for both domestic and international transactions.
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- Create feedback loop with Credit Manager to identify and address trends in high risk client applications and transaction management.
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- Other duties assigned by direct manager.
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Experience and Skills Required

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- A Bachelor's/College Degree in Accounting, Finance or equivalent preferred
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- At least 2-3 Year(s) of working experience in Banking/Financial Services is required for this position specialising in fraud analysis, loan applications and credit analysis.
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- Experience within SME credit assessment for Cashflow Finance and or SME lending.
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- Advanced interpersonal skills and the willingness to have difficult conversations with internal and external stakeholders.
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- Understanding of Equifax and/or other Credit Bureau standards and procedures.
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- Experience working for an Australian or any financial institution, an advantage.
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- Ability to write credit proposals that serve the interest of all parties involved.
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- Excellent written and verbal communication skills.
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- Ability to proficiently manage multiple tasks at the same time.
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Candidates applying in Sydney, must be in and have full working rights to work in Sydney, Australia.

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📌 Commercial Credit Analyst (New South Wales)
🏢 Finstro
📍 New South Wales