Job Description

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

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- Prior credit underwriting experience is essential
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- Exposure to consumer and commercial lending is preferred
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- Auto finance industry experience is highly regarded
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- Solid understanding of financial statements, credit reports, and risk assessment tools
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- Excellent attention to detail and analytical skills
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- Strong communication skills for liaising with clients and internal teams
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- Proficiency in Microsoft Excel, financial modelling, and other analytical tools
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- Bachelor's degree in finance, accounting, economics, or related field preferred but not essential
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Core Competencies

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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.

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Highest-signal resume keywords

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

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Hard Skills

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

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- Attention to Detail
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- Analytical Skills
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- Strong Communication Skills
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Industry Keywords

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- Consumer Lending
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- Commercial Lending
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- Auto Loans
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- Lease Financing
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- Risk Management
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📌 Credit Analyst (Queensland)
🏢 Jobtailor
📍 Queensland