Hybrid Commercial Credit Analyst

at Shift

• Job title: Commercial Credit Analyst
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: Not specified
• Degree requirement: No Education Requirement
• Location requirements: Hybrid, Sydney, Australia

About the role

• Commercial Credit Analyst assessing credit applications from customers and brokers while managing risk and ensuring compliance. Supporting Australian SMEs in the lending process with a collaborative team.

Responsibilities

• Assess commercial credit applications by analysing financial statements, bank statements and other relevant data
• Conduct phone interviews with applicants and brokers to gather information and negotiate loan criteria
• Provide accurate, quantitative credit assessments and recommend lending limits aligned with Shift’s credit appetite
• Ensure correct products and services are applied to customer applications
• Maintain detailed records of key risk factors and mitigation strategies to support decision making
• Build strong relationships with internal teams, customers, and brokers to enhance business performance
• Adhere to credit underwriting standards, compliance policies, and ensure data integrity in core systems
• Support Relationship Managers and Sales teams by providing coaching and upskilling
• Identify opportunities for process and service improvements to boost team efficiency

Requirements

• Previous experience holding a Delegated Lending Authority for commercial/business lending
• Strong business acumen and solid understanding of the SME market
• Proven track record in delivering excellent customer service
• Experience assessing commercial credit using financial and bank statements; experience with non-traditional data is a plus
• Analytical mindset with strong attention to detail
• Experience in risk or analytics roles or working with finance products in point-of-sale environments is advantageous but not essential
• Excellent communication and relationship-building skills
• Commitment to compliance and data accuracy

Benefits

• Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
• Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.
• Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy.
• Family support – industry leading 26 weeks paid parental leave.
• Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.
• Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.