Credit Analyst

FleetPartners Group is an ASX 300 listed financial services, vehicle management, and employee benefits company. We are an organisation where 98% of all team members believe that their manager genuinely cares about their well-being and feels valued. We also help everyday Australians to maximise their salary by administering employee benefit programs and help them to get into the car of their dreams.We have a strong company culture that values our people and are proud to present you with this opportunity to join our team. We support all types and sizes of businesses to acquire and effectively manage their vehicles, with over 93,000 vehicles currently under management.Our PromiseFleetPartners Group is an equal opportunities employer; therefore, all qualified applicants will receive consideration without regard to their race, colour, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.THE ROLE:This role is responsible for managing credit risk by assessing Corporate and SME credit applications in alignment with FleetPartners Group's credit policy. It includes performing key credit administration functions and providing support to the broader credit team to ensure accurate, timely, and compliant credit decisioning.What you'll be doing:Analyse financial information, counterparty credit risk, asset risk and security structure of corporate transactions brought in by the Business Development & Relationship teamsPrepare credit memorandum and approve within the DLA (Delegated Lending Authority) or refer with recommendation to Senior Credit Manager when outside the DLAManage & analyse SME credit application submitted via scorecardEnsure credit applications (corporate and SME) approved are in line with the company Credit PolicyEnsure MLA/MFLA documentation is executed correctly and saved in line with the company policyManage PPSR Registration and DischargeMaintain strong communication with stakeholders in the credit process to ensure credit issues are identified and resolved as soon as practicable to enable timely delivery of credit decisions with set SLA'sManage and prioritise workflows depending on urgency and priorityABOUT YOU:3+ years' experience in similar role preferably in Auto-Finance environmentSound financial analysis skills and credit judgement Ability to advocate succinctly key risk issues and solutions in verbal and written communicationA strong sense of empathy for business development and acute commercial orientation to develop practicable solutions to address credit issues without exposing FleetPartners to unnecessary risksExcellent interpersonal skills with a demonstrated ability to liaise with team members, staff across the business and external stakeholdersTechnical Skills:Intermediate working knowledge and capability with Microsoft Office in particular Excel and PowerPoint program experience Problem solving abilityMaintain sound credit lending standards High degree of accuracy and attention to detail in relation to financial calculations, credit verifications and all matters associated with the preparation of credit memorandumCommunication Skills:Demonstrated ability to develop co-operation and teamworkArticulate verbal and written communication skillsExcellent negotiation skillsAbility to listen effectively and accept constructive feedback and action as requiredAbility to liaise with all levels of employees throughout an organisationPersonal Management Skills:Good time management skillsAbility to deliver to deadlinesCustomer focus both internally & externallyAbility work in a dynamic environment and under opposition at timesAbility to learn new tasks and grasp concepts quicklyPuts in extra effort as required to get the job done Ability to take ownership of resultsTHE PERKS:Our employee benefits are continually evolving to meet the needs of our people. They currently include -Up to 27 days annual leave per annumSubsidised Southern Cross Health InsuranceFlexible and hybrid working arrangementsGenerous paid parental leaveLearning and development opportunitiesCorporate retail discounts. and more!Next StepsIf you are successful in your application, then we will be in touch with you soon.Offer of employment with FleetPartners Group is conditioned upon the successful completion of a background check, subject to applicable laws and regulations.