Job Summary
A new permanent opportunity has become available for a Corporate Credit Analyst within the ANZ DLL team. Reporting to the Credit Manager – Corporate and Commercial Finance, this role involves analysing customer/vendor credit applications and contributing to their approval to support the business in achieving risk loss targets.
Key Responsibilities
* Undertake financial analysis and modelling for new and existing clients across key sectors such as Agriculture, Construction, Transport, Industrial, Healthcare, Energy Transition, Office equipment, and Tech Finance.
* Liaise with back office functionalities, sales/account management, credit/risk management, legal and asset management, and relevant third parties.
* Collect customer/vendor information utilizing applicable systems and procedures and assess completeness and topicality of information.
* Analyse risk (financial, asset, market, security, legal, and contractual), review and re-rate customers/end users, local vendors or local dealers.
* Write credit application reports, decide on end-user credit applications and local vendor/dealer agreements within given authority level, make sound recommendations, and present applications to higher Credit decisioning authorities including local and global Credit Committees.
* Advise, prepare, and participate in local Credit Committee on decision making regarding end-user credit applications and local vendor/dealer agreements within given authorization level.
* Monitor, coordinate and advise on credit/risk profiles, corporate/external policies, regulations and sales mandates in co-operation with departments involved.
* Contribute to the development of local credit and risk management policies, regulations and guidelines.
Requirements
* Degree in accounting, finance, commerce or related field.
* 3 years of relevant experience in asset/equipment finance with a DLA held of at least AUD500K.
* Advanced financial analysis skills.
* Understanding of Vendor-based and Dealer-based asset finance partnerships, including both strategic commercial objectives and risk management principles.
* Understanding of documentation, security, and legal processes, including expert level of PPSR understanding and application.
Key Skills
* Ability to analyse the risks and rewards in Vendor, Dealer, and Customer relationships, and effectively communicate those risks and rewards in a well-written, professional Credit Application.
* Strong ability to effectively communicate with internal and external customers.
* Excellent comprehension, written and verbal communication skills.
* Ability to organise and prioritise work to assist the Credit team in meeting its objectives.
* Ability to manage multiple tasks and deadlines.
* Flexibility – Ability to remain focused despite changing priorities.
* Ability to handle high work volumes and respond to requests on a timely basis.
* Consultative approach to working with all stakeholders – team player.
* Ability to negotiate and solve problems to respond to internal and external customer requests promptly and correctly.
* Strong ability to share business and risk knowledge with other DLL members, in order to build a culture of risk management balanced with commercial objectives.
* Creative problem solver with an adaptive approach.
* Lifelong learner, able to self-motivate and work autonomously in a fast-paced environment.