Commercial Credit Analyst

Who is Shift?

Shift provides business finance to small, established and corporate sized businesses in Australia, including Business Overdraft, Equipment Line, Asset Finance, Term Loan and Trade Account. Founded in 2014, Shift has funded more than 30,000 Australian businesses.

At Shift, our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses.

About the role:
As a Credit Analyst, you'll be a crucial part of our customers' journeys, carefully reviewing credit applications from both customers and brokers. With a keen eye for detail, you'll look at bank statements, financial documents, and other key information to help determine each applicant’s creditworthiness and suggest the right lending options. Your expertise will not only help us manage risk, but also contribute to outstanding outcomes for our customers.

What you'll do:

• Review and assess commercial credit applications by analyzing financial statements, bank records, and other important data

• Connect with applicants and brokers over the phone to gather information and discuss loan requirements

• Deliver accurate and thorough credit assessments, recommending lending limits that fit Shift’s approach

• Make sure every customer application is matched with the right products and services

• Keep detailed records of risk factors and ways to manage them, supporting confident decision-making

• Develop strong relationships with internal teams, customers, and brokers to support business growth

• Follow credit underwriting guidelines and compliance standards, and maintain accurate data in our systems

• Team up with Relationship Managers and Sales teams, offering support, coaching, and mentorship

• Look for ways to improve our processes and service, helping the whole team work more efficiently

What you'll bring:

• Previous experience with Delegated Lending Authority in commercial or business lending

• Strong business sense, with a solid grasp of the SME market

• A proven ability to deliver excellent customer service

• Experience analyzing commercial credit through financial and bank statements (bonus points for familiarity with non-traditional data!)

• A sharp, analytical mindset with great attention to detail

• Background in risk or analytics roles, or experience with finance products in point-of-sale settings, is a plus but not required

• Fantastic communication skills and the ability to build lasting relationships

• A dedication to compliance and ensuring data accuracy

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Key benefits:

• Hybrid working: we’re headquartered in North Sydney with state-based workplaces and offer a hybrid work policy. Our offices have spaces for collaboration, socialising and focused work.

• Parental leave: up to 26 weeks paid.

• Strategy Week: twice a year the whole team comes together to hear the business strategy and product and technology roadmap first-hand, with fortnightly all-company business updates in between.

• Flat structure: everyone can learn from each other and senior leaders across the business.

• Wellbeing: benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to end of trip facilities.
  

Additional information:
If you don’t meet all the qualifications or skills but think you’d be a great fit, please apply anyway.

Learn more about working at Shift at shift.com.au/careers.

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