- Evaluate the financial background and creditworthiness of applicants seeking auto loans or lease financing
- Review and analyse loan applications, including credit reports, income statements, and other financial documents
- Assess applicants’ ability to repay loans based on credit history, income, employment stability, and debt-to-income ratio
- Identify potential red flags or high-risk applicants and escalat(e?) as appropriate
- Make recommendations on loan applications while adhering to policy, procedure, and guidelines
- Collaborate with sales, operations, and underwriting teams to provide a excellent customer experience
- Ensure assessments include appropriate research and reflect current policies and standards
- Liaise with dealer managers, dealerships, POI & Settlements, and Risk stakeholders

Requirements

- Prior credit underwriting experience is essential
- Exposure to consumer and commercial lending is preferred
- Auto finance industry experience is highly regarded
- Strong understanding of financial statements, credit reports, and risk assessment tools
- Excellent attention to detail and analytical skills
- Strong communication skills for liaising with clients and internal teams




- Proficiency in Microsoft Excel, financial modelling, and other analytical tools
- Bachelor’s degree in finance, accounting, economics, or related field preferred but not essential

Core Competencies

Demonstrates expertise in evaluating financial backgrounds and creditworthiness of applicants for auto loans, utilizing strong analytical skills and attention to detail. Proficient in collaborating with cross-functional teams to enhance customer experience while adhering to lending policies and guidelines.

Highest-signal resume keywords

- Credit Underwriting Experience
- Financial Statement Analysis
- Risk Assessment Tools
- Microsoft Excel Proficiency
- Auto Finance Industry Experience

ATS Optimization Keywords

Hard Skills

- Credit Report Analysis
- Loan Application Review
- Income Statement Evaluation
- Debt-to-Income Ratio Assessment
- Financial Modelling

Soft Skills

- Attention to Detail
- Analytical Skills
- Strong Communication Skills

Industry Keywords

- Consumer Lending
- Commercial Lending
- Auto Loans
- Lease Financing
- Risk Management

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📌 Credit Analyst (Queensland)
🏢 Jobtailor
📍 Queensland