The Company
Our client is a leading non-bank lender with 15 years of proven success supporting the financial well-being of Australians. Since their establishment, they've experienced consistent growth and have built a strong reputation for delivering tailored finance solutions across both consumer and business lending sectors.
Their commercial division specializes in cash flow and asset financing solutions for organizations of all sizes throughout Australia. With an excellent capital position, they have the financial flexibility to fuel innovation, drive forward-thinking strategy, and deliver support across large and complex lending transactions.
The Opportunity
Due to continued expansion of their commercial lending capability, our client is seeking an experienced Commercial Credit Analyst / Lending Specialist to join their growing team. This is an exciting opportunity where you'll play a pivotal role in shaping strategy and execution across their commercial credit function.
Reporting directly to the Head of Credit, you'll partner with brokers, referrers, Business Development Managers, and internal stakeholders to deliver exceptional lending outcomes while building meaningful client relationships and driving sustainable lending practices.
Key Responsibilities
- Assess commercial cash flow and asset finance applications across the full loan origination lifecycle, from initial scenario through to analysis, credit approval, legal instructions, and settlement
- Evaluate applications within delegation (including companies, sole traders, trusts, and partnerships) and provide detailed recommendations to Management for approvals/declines outside delegation
- Provide in-depth financial analysis of tax returns, financial statements, and cash flow statements to support credit submissions
- Collaborate closely with the Managing Director, Head of Credit, National Sales Manager, and internal legal & compliance teams to ensure deals are structured to balance growth with risk
- Workshop deals with Business Development Managers and act as the key point of contact for customers, brokers, accountants, and referrers to ensure a seamless client experience
- Review existing processes and procedures, providing recommendations for operational efficiencies and innovation
- Stay across lending market trends and competitor analysis to inform product positioning and commercial strategy
- Represent the company's brand professionally, demonstrating adaptability in different client scenarios while maintaining client-centric focus
To excel in this role, you'll need:
- Minimum 3-5 years' experience in commercial banking or assessing commercial cash flow/asset finance applications
- Previous or current credit delegation authority
- Strong knowledge of commercial lending products, business structures, and compliance frameworks
- Experience in the non-conforming lending space is highly regarded
- Proven ability to interpret and analyze complex financial and tax documents
- Commercially astute with strong stakeholder engagement and communication skills
- Self-motivated, detail-oriented, and comfortable taking ownership in an evolving role
- Passionate about building relationships and driving process improvements
- Play a critical role in shaping and expanding an established commercial lending function with direct exposure to senior leadership
- Make a genuine impact in an organization that values culture, collaboration, and employee development
- Fantastic employee benefits scheme including gym benefits, novated leasing, team events, Employee Assistance Program, wellness days, and much more
- Grow under an exceptional leadership team who are dedicated to your career advancement through feedback and support
- Join a financially strong organization with the resources to support innovation and complex transactions
With accessible and supportive senior leadership, this firm provides genuine opportunities for career advancement and professional development in an environment that values feedback, support, and employee well-being.
If you're ready to join a dynamic, growing team where you'll be instrumental in making sound financial decisions and shaping the future of commercial lending, please send your application to jquigley@sbrecruitment.com or call Jenny Quigley on 02 9002 5005 for a confidential conversation.
