Job Description
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.
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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.
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This isn't just a number-crunching role.
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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.
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We want someone who can look beyond the numbers and ask:
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What is actually happening in this business?
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Is the narrative reflected in the financials?
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Where does repayment really come from?
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What could go wrong?
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What information actually matters, what's noise, and what's missing?
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Can the risks be addressed through sensible structuring?
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What needs to happen to get this deal settled?
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What You'll Do
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You'll work closely with our origination team and senior management across the full deal lifecycle.
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Credit & Commercial Analysis
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Assess commercial finance applications and analyse financial and supporting information
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Understand the business, cash flow, servicing, security and exit strategy behind each transaction
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Identify inconsistencies, missing information and risks requiring further investigation
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Undertake company, industry and transaction-specific research
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Prepare concise credit submissions with clear recommendations
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Help structure commercially sensible transactions while appropriately managing risk
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Deal Execution & Settlements
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Take ownership of approved transactions through to settlement
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Coordinate borrowers, brokers, solicitors, valuers, funders and other stakeholders
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Manage conditions precedent, documentation and settlement requirements
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Anticipate and resolve issues before they delay a transaction
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Ensure settlement figures and documentation are accurate
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Keep deals moving and stakeholders informed
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AI Is Part of the Job
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We actively use AI and technology to improve how we analyse transactions and operate our business.
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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.
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AI can help you reach an answer faster. It can't replace your judgement.
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You'll be expected to verify information, challenge assumptions and form your own commercial view.
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Who We're Looking For
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You'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.
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We're looking for someone who:
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Has strong common sense, critical thinking and commercial judgement
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Is curious, asks good questions and notices when something doesn't make sense
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Can analyse financial information without losing sight of the bigger picture
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Can distinguish what matters from what doesn't—and identify what's missing
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Is comfortable forming and defending a view
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Is practical, solutions-oriented and takes ownership
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Can manage multiple live transactions and competing deadlines
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Communicates confidently with clients and professional stakeholders
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Embraces AI, technology and better ways of working
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Has solid attention to detail
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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.
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Why Hermes Capital?
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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.
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You'll work directly with experienced decision-makers, gain exposure to credit and transaction structuring, use modern technology and AI, and have meaningful responsibility from an early stage.
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As Hermes Capital grows, there will be opportunities to expand your responsibilities across credit, transactions, portfolio management and broader commercial functions.
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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.
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📌 Commercial Credit Analyst (New South Wales)
🏢 Hermes Capital Australia
📍 New South Wales