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May

Credit Manager

Maia Financial - Sydney, NSW

Banking & Finance
Source: uWorkin

JOB DESCRIPTION

The Credit Team is responsible for maintaining the integrity and quality of the loan book in a consistent and thoughtful way. We are a specialized lender dealing in niche markets and the credit team ensures that we maintain our focus and avoid portfolio drift. Our loan book is high-performing with a long history of low losses, and we work hard to ensure that this performance is maintained.

This role is primarily responsible for the analysis and assessment of commercial credit submissions, with crossover into our treasury function and management of our funding. Maia Financial funds a diverse range of assets for corporate businesses across a range of sectors and work collectively as one team to take our business to Market.

Responsibilities:

  • Applying credit skills and knowledge to each transaction to make a balanced assessment of the risk.
  • Analyze and interpret financial statements across different entities and borrowing structures.
  • Approval of credit submissions within own delegated authority with the ability to form opinions and recommendations on all other submissions.
  • Preparation of credit papers outlining the creditworthiness of the submission.
  • Discuss and deliver clear rationale on credit decisioning.
  • Work with the sales team to provide a customer-centric and solutions-focused approach that seeks to find ways a submission can progress.
  • Preparation and review of reporting and board packs.
  • Ongoing management of the loan book.
  • Strong stakeholder engagement required to build relationships both internally and externally.
  • Vendor and/or equipment supplier review and accreditation.
  • Adherence to and continuous development of the Credit Policy.

Experience:

  • A relevant tertiary qualification is desirable.
  • Minimum of 5-8 years’ experience in the finance industry (with a preference for equipment finance experience).
  • Previously held personal delegated approval authority desirable.
  • Proven record in making sound decisions and balancing risk.
  • Understanding of banking compliance and regulatory issues.
  • Understanding of banking/financial services operations.
  • Strong Microsoft skills, advanced excel skills advantageous.

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