Commercial Credit Analyst

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 examine bank statements, financial documents, and other key information to determine each applicant’s creditworthiness and suggest appropriate lending options.

Key responsibilities

• 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.
• Match each customer application with the right products and services.
• Maintain detailed records of risk factors and mitigation strategies to support confident decision‑making.
• Develop strong relationships with internal teams, customers, and brokers to support business growth.
• Follow credit underwriting guidelines and compliance standards, ensuring data accuracy in our systems.
• Collaborate with Relationship Managers and Sales teams, providing support, coaching, and mentorship.
• Identify opportunities to improve processes and service, enhancing team efficiency.

Required profile

• Previous experience with delegated lending authority in commercial or business lending.
• Strong business sense with a solid grasp of the SME market.
• Proven ability to deliver excellent customer service.
• Experience analyzing commercial credit through financial and bank statements (bonus for non‑traditional data).
• Sharp analytical mindset with great attention to detail.
• Background in risk or analytics roles, or experience with finance products in point‑of‑sale settings (optional).
• Fantastic communication skills and ability to build lasting relationships.
• Dedication to compliance and ensuring data accuracy.

What we offer

• Collaborative, flat‑structure teams that encourage learning from colleagues and senior leaders.
• Regular company‑wide sessions every 100 days to share product, technology roadmap and business strategy.
• Flexible working environment with a hybrid model and state‑based workplaces.
• Industry‑leading 26 weeks paid parental leave.
• Purpose‑built office spaces designed for collaboration, brainstorming, socialising and focused work.
• Wellbeing benefits including a day off on your birthday and excellent end‑of‑trip facilities.