Our Client Our client is a growing financial services business with a strong focus on supporting Australian businesses through a range of commercial lending solutions. Operating in a fast-paced, progressive environment, the business continues to grow and offers Credit Analysts the opportunity to work exclusively across business lending, rather than splitting their time between consumer and commercial credit. This is an excellent opportunity for someone with existing commercial or SME lending experience who wants to deepen their exposure to business credit, work across a variety of lending scenarios and join a strong team.

The Role Reporting to an exceptional Credit Manager, you will be responsible for assessing commercial and SME lending applications, working across products including Line of Credit and Asset Finance. This is a genuinely commercial credit role. You will analyse bank statements, financial statements and supporting information, identify key credit risks and prepare structured credit recommendations in line with lending policy and risk appetite. You will also work closely with BDMs, internal relationship teams, customers and brokers to understand transactions, clarify information and help structure appropriate commercial lending solutions.

Key responsibilities will include:

Assessing commercial and SME lending applications

Analysing bank statements, financial statements and cash flow

Identifying key credit risks and documenting findings

Preparing structured credit recommendations

Working within DLA where applicable, or escalating for approval

Structuring commercial lending solutions in line with credit policy

Working across a variety of products including Asset Finance and Line of Credit





Partnering with BDMs and internal stakeholders on transaction assessment

Communicating directly with customers and brokers where required

Ensuring applications meet underwriting and documentation standards

Contributing to ongoing process improvement within the credit function

Other advantages include:

Permanent position

3 days in the office / 2 days WFH

100% business and commercial lending exposure

Excellent Credit Manager with a proven track record of developing people

Exposure across Asset Finance and Line of Credit products

Fast-paced and growing business

Strong interaction with BDMs, brokers and customers

Opportunity to broaden your commercial credit capability

The Successful Candidate This role will suit someone who already has exposure to commercial or business lending and wants to continue building their career within that space. You may currently be working within business banking, commercial finance, asset finance, SME lending or a non-bank lender.

Ideally, you will bring:

Previous commercial or SME credit assessment experience

Exposure to business lending, rather than purely consumer credit

Experience analysing bank statements and financial statements

Strong cash flow analysis and financial interpretation skills

Understanding of commercial credit risk and lending structures

Previous commercial or business lending DLA would be highly regarded

Confidence dealing with BDMs, brokers and customers

Strong attention to detail and structured decision-making

The ability to operate effectively within a fast-paced environment

The position description specifically calls for experience in commercial or SME credit assessment, including financial and bank statement analysis, together with exposure to business lending products.

📌 Credit Analyst (Port Phillip City)
🏢 Align Talent
📍 Port Phillip City