Credit Officer

As an experienced Credit Analyst at our Australian client, you will play a crucial role in assessing loan applications, analysing client financials, and preparing credit recommendations for individuals and businesses across Australia. Your expertise will ensure compliance with regulatory and lender requirements, supporting a seamless loan processing experience from application to settlement. Key Responsibilities: - Conduct credit assessments and financial analysis for residential, commercial, and business loan applications. - Verify and assess financial documents, including income, liabilities, and supporting statements. - Analyse financial statements, cash flow, credit history, DTI ratios, and liquidity. - Prepare detailed credit reports, summaries, and recommendations for approval. - Perform serviceability, pricing, and LMI calculations following lender and NCCP guidelines. - Order and review property valuations, liaising with valuers and lenders as necessary. - Communicate effectively with clients, brokers, lenders, solicitors, and accountants. - Monitor loan application progress to settlement, ensuring client obligations are met. - Maintain accurate CRM data and ensure regulatory compliance. - Identify risk factors and recommend mitigation strategies for complex credit scenarios. - Support post-settlement processes and manage client relationships. Qualifications Required: - Bachelor's degree in Finance, Accounting, Economics, or Commerce. - 1-3 years of experience in credit assessment, loan processing, or financial analysis in the banking or mortgage industry. - Strong analytical skills, proficiency in Excel, financial modelling, and credit assessment tools. - Deep understanding of financial statements, liquidity ratios, and credit risk indicators. - Excellent written and verbal communication skills for reporting and presentations. - Strong decision-making and problem-solving abilities. - High attention to detail, with a focus on accuracy and compliance. (Note: The job description does not include any additional details about the company.) As an experienced Credit Analyst at our Australian client, you will play a crucial role in assessing loan applications, analysing client financials, and preparing credit recommendations for individuals and businesses across Australia. Your expertise will ensure compliance with regulatory and lender requirements, supporting a seamless loan processing experience from application to settlement. Key Responsibilities: - Conduct credit assessments and financial analysis for residential, commercial, and business loan applications. - Verify and assess financial documents, including income, liabilities, and supporting statements. - Analyse financial statements, cash flow, credit history, DTI ratios, and liquidity. - Prepare detailed credit reports, summaries, and recommendations for approval. - Perform serviceability, pricing, and LMI calculations following lender and NCCP guidelines. - Order and review property valuations, liaising with valuers and lenders as necessary. - Communicate effectively with clients, brokers, lenders, solicitors, and accountants. - Monitor loan application progress to settlement, ensuring client obligations are met. - Maintain accurate CRM data and ensure regulatory compliance. - Identify risk factors and recommend mitigation strategies for complex credit scenarios. - Support post-settlement processes and manage client relationships. Qualifications Required: - Bachelor's degree in Finance, Accounting, Economics, or Commerce. - 1-3 years of experience in credit assessment, loan processing, or financial analysis in the banking or mortgage industry. - Strong analytical skills, proficiency in Excel, financial modelling, and credit assessment tools. - Deep understanding of financial statements, liquidity ratios, and credit risk indicators. - Excellent written and verbal communication skills for reporting and presentations. - Strong decision-making and problem-solving abilities. - High attention to detail, with a focus on accuracy and compliance. (Note: The job description does not include any additional details about the company.)