The RoleReporting to the Credit Manager, the Credit Analyst supports the credit function that underpins the AltX Group offerings. This role has primary responsibility for ensuring that credit submissions are accurately compiled for presentation to the Credit Committee and loan documents are accurately instructed and prepared. Key Accountabilities
Reviewing and assessing loan applications
Undertaking due diligence in accordance with AltX’s credit policies and procedures
Ensuring all relevant financial and legal documents have been supplied to support loan application process
Analysing and validating supporting documents including reviewing & interpreting Financials, Tax Returns and valuation reports
Conducting and interpreting searches (company, guarantors, title)
Preparing credit submissions and presenting recommendations to the Credit Committee
Managing pipeline of incoming loan submissions on a day to day basis
Preparing loan instructions and liaising with solicitors to ensure loans are instructed efficiently
Contributing towards ensuring processes are streamlined and efficient
You’ll Know You’re Successful in this role
You’re recognised by the business as having excellent knowledge of all AltX Group products
You’ve shown yourself to be solution oriented and willing to constructively engage with the BDMS, brokers and other relevant stakeholders
Your credit papers are well written and error free
Key Skills, Experiences and Attributes
Experience in the banking, non-bank and finance industries, specifically within a credit role
Working knowledge of the banking industry, Australian housing market, and regulatory environment
Experience in credit assessments of long term product offerings
Experience with assessing PAYG and Self-Employed applications
Hold Delegated Lending Authority (DLA)
Strong numeracy and analytical skills, and a high attention to detail
Ability to write clearly and concisely
Customer-centric and solutions focused
Proficient in Microsoft Outlook, Microsoft Excel, Microsoft PowerPoint, Microsoft Word
Excellent multi-tasking, time management and communication skills