Credit Analyst (Asset Finance & Business Lending)

Credit Analyst – Asset Finance & Commercial Lending

This isn’t a back-office credit role. It’s for a sharp credit mind who also enjoys working with people and who wants to build and eventually lead the credit function at one of Australia’s leading asset finance brokerages.

At Yakka Finance, we see ourselves as a credit business with a sales team built around it. Great relationships bring deals in the door. Great credit gets them approved, structured properly and settled. We’re looking for someone to own that second part alongside our Managing Director.

We’re a boutique, award-winning asset finance brokerage based in a brand new A-grade office at 60 Castlereagh Street, Sydney CBD.

Office video walkthrough -

Why This Role Exists

Our Managing Director won Asset Finance Broker of the Year at the Australian Broking Awards in 2022, 2023 and 2025. He is constantly building relationships, leading the team, driving strategy with our Partnerships Manager, creating content with Marketing, and still spending a large share of his week managing his clients deep in full doc & low doc applications.

We need someone to work with him (and the other brokers) assist with credit & moving applications through the pipeline. That means picking up a deal, understanding the client and the numbers, structuring it correctly, getting it in front of the right lender, and keeping it moving, so the MD can not be worried if he needs to step out for business development, strategy meetings and content knowing the deals in his team are still in great hands. It's working with his existing clients. He will hunt the business and you will help them feel looked after.

You’ll be his right hand on credit and also be the person who sets the credit standard for the whole entire business working through all the policies.

The Pathway

Year 1-4: Work side by side with the MD on full doc and low doc deals. Learn our clients, our lender panel, and how we structure and present deals. Take ownership of the credit pipeline and keep it moving. Build out Yakka’s credit policies, frameworks, and templates. Become the go‑to person internally for “will this deal get done, and with whom? How do we submit it”. This will free up the MDs time and help grow the business.

Long term: Step into Head of Credit (or potentially a broker role as you would build relationships with the MDs client base in those years) at Yakka Finance. Lead credit across the business as we grow the broker team, setting the standard for how every deal is assessed, structured and presented.

What You’ll Be Doing

Credit (the core of the role) - supporting the Managing Director

Assessing and preparing full doc applications: financial statements, management accounts, ATO portals, tax returns, bank statements, debt schedules and directors’ personal positions

Running servicing and cash flow analysis, assessing DSCR, existing commitments and exposure,



and writing clear, persuasive credit submissions for a bank to pick up and approve the first time we submit

Managing low doc applications quickly and accurately across our lender panel

Work closely with sales to support effective credit decisions and lead training on credit so everyone is upskilling.

Setting up and pushing Master Facility Limits with our big clients so finance is always approved. We love securing Major Bank funding and you will lead the charge on building relationships with Bankers and our clients on setting up Master Facilities

Structuring asset finance and commercial business lending deals, including trucks, vehicles, machinery and equipment, lines of credit, bank overdrafts and commercial loans

Matching each deal with the right lender based on policy, appetite, exposure limits and pricing

Spotting issues early and finding solutions, whether that’s restructuring, adding security, choosing a different lender or knowing when to walk away

Working with lender credit teams and BDMs to answer questions, push deals through and resolve conditions

Have fun with technology and credit to speed up decision‑making.

A degree in Finance, Accounting, Commerce or a related discipline.

Strong understanding of PPSR, security documentation and lending structures.

Building our credit function

Writing and maintaining Yakka’s internal credit policies, deal assessment frameworks, checklists and submission templates (Low Doc and Full Doc)

Building deep, documented knowledge of lender policy across our panel so the whole team writes better credit

Coaching brokers and support staff on what a strong full doc submission looks like

Working with technology to make credit faster and smarter through automation and AI, while you remain the expert making the calls e.g. speed up servicing analysis (we are happy to dedicate one day a week here to improve the credit function or work on projects together. A chance to make a real impact

We want to be known as the Full Doc experts and turn them around quick

Clients and relationships

Speaking with small business owners and their accountants on the phone to understand their business, gather information, and explain what’s needed in a caring and educational way so they feel supported

Building trust with our existing clients so they see you as part of Scotts team looking after them with the same amount of care

Keeping clients informed and deals moving forward

Construction, Heavy Transport, Trades, Agriculture, Earthmoving, Manufacturing, Forestry, Medical and more.





Our lender panel is extensive includes CBA, Westpac, NAB, BOQ, Capital Finance and many more, with full accreditations and preferential rates provided by our lending panel.

About You

2-3+ years’ experience in credit within asset finance, equipment finance or commercial/business lending, whether at a bank, non‑bank lender or brokerage. This could be credit analyst, credit assessor, credit manager or broker support with a strong credit focus

You know what a strong full doc application looks like and can read financial statements, tax returns and ATO portals with confidence

Solid understanding of low doc policy and when a deal fits it

Good knowledge of lender policy, servicing, security and exposure limits, and a desire to keep learning

A credit mind with personality: comfortable on the phone with clients, accountants and lender BDMs, and you enjoy building relationships

Highly organised, detail-focused, and able to manage a busy pipeline without letting anything stall

You take ownership. When a deal is yours, you drive it to approval

Commercially minded: you look for ways to get good deals done, not find reasons to decline them

Want to build something and lead it, with ambition to become a Head of Credit

Team-first and ego‑free: you’ll work closely with the MD, brokers, support and partnerships team

Sydney‑based (or willing to relocate)

Knowledge of trucks, heavy machinery or vehicle finance is a big advantage

What Yakka Offers

A genuine pathway to Head of Credit in a growing, award‑winning business

Working side by side with a three‑time Asset Finance Broker of the Year

The chance to build the credit function your way, with real influence on how the business operates

Support from a team that handles admin, settlements and operations, so you can focus on credit

Brand new laptop and mobile phone

Full home and office setup (hybrid)

A-grade office at 60 Castlereagh Street, Sydney CBD, with end‑of‑trip facilities, gym access and showers

Flat‑structured team where everyone wins together

Bank and financier events, including lunches, drinks and relationship building

Ongoing learning and development in credit and lender policy

We have our own beer: Yakka Lager is free for all staff and yours to gift

The Key Details

Location: 60 Castlereagh Street, Sydney CBD (hybrid, WFH Mon & Fri)
Start: ASAP

Salary: Please request your desired salary when applying as we want you to be a part of our team and feel valued

All employment enquiries are strictly confidential. If you’re currently working at a lender or brokerage, your interest will be treated with full discretion.

This advertisement will be open for 30 days. Please don’t stress if we don’t contact you straight away. We hire slowly because we’re looking for the right person to invest in, and we’re willing to wait. If that’s you, tell us why.

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📌 Credit Analyst (Asset Finance & Business Lending) (Sydney)
🏢 Yakka Financial Pty
📍 Sydney