AU Commercial Credit Analyst (Equipment & Asset Finance)

Overview:

Our client is seeking an experienced AU Commercial Credit Analyst (Equipment & Asset Finance) to manage commercial asset finance applications through the full credit lifecycle, from initial submission and assessment through approval, documentation, settlement, and post-settlement support when required.

The successful candidate will assess commercial payment plan and equipment finance applications, conduct KYC and due diligence, analyze financial information, identify risks and documentation gaps, and match each application with the most suitable lender based on funder criteria and risk appetite.

This role requires practical experience in the

Australian commercial lending market

. It is not a consumer credit, collections, fraud disputes, or complaints-handling position. The ideal candidate can work independently with limited foundational training and understands Australian business structures and commercial finance processes.

Schedule:

Monday to Friday, 6:45 AM to 3:50 PM Manila Time | With a 1-hour unpaid break (40 hours per week)

Responsibilities:

Full-Cycle Application Management

Manage commercial finance applications from receipt through credit assessment, approval, document collection, settlement, and post-settlement support when required

Review applications for completeness, accuracy, eligibility, and compliance with internal credit policies

Proactively follow up with customers, accredited partners, suppliers, funders, and internal teams to obtain outstanding information and keep applications progressing

Maintain fast turnaround times without compromising assessment quality or data accuracy

Commercial Credit Assessment

Assess commercial payment plan and equipment finance applications involving business-purpose assets and equipment

Analyze commercial credit reports, financial statements, bank statements, cash flow, trading history, existing liabilities, repayment capacity, asset details, and supporting documentation

Evaluate business stability, creditworthiness, total exposure, security position, and overall risk profile

Understand and assess Australian business structures, including sole traders, partnerships, proprietary limited companies, and trusts

Review customer, director, guarantor, supplier, and business information as required

Lender Matching and Credit Recommendations

Use lender policies, funder matrices, and risk-appetite criteria to identify the most appropriate funding pathway for each application

Prepare clear and concise credit submissions outlining the assessment rationale, identified risks, mitigants, conditions, exceptions, and recommended outcome

Recognize when a standard document request may not be relevant and use sound judgment to clarify the purpose or propose an appropriate alternative

Escalate complex, higher-risk, or out-of-policy applications with complete analysis and supporting context

KYC, Due Diligence, and Compliance

Complete KYC, business verification, identity verification, and applicable due diligence checks

Identify adverse credit information, inconsistencies, potential fraud indicators, documentation gaps, and undisclosed risks

Support AML/CTF, privacy, internal compliance, and applicable Australian commercial lending requirements

Ensure all assessments, decisions, conditions, exceptions, and supporting documents are accurately recorded in the CRM or workflow system

Stakeholder and Partner Support

Act as a key credit contact for accredited channel partners, equipment suppliers, customers, funders, and internal stakeholders

Explain application requirements, documentation standards, outstanding items, approval conditions, and next steps clearly and professionally

Work closely with Credit, Sales, Settlements, and Operations to reduce avoidable delays and support efficient lending outcomes

Maintain a proactive, accessible, and solutions-focused approach throughout the application process

Process Improvement

Help improve credit workflows, documentation quality, assessment consistency, and turnaround times

Identify recurring application issues and recommend practical improvements

Contribute to strong portfolio quality and a reliable experience for customers, partners, and funders

Must-Have Requirements:

Proven experience in the

Australian commercial lending market

Hands-on experience in

commercial credit analysis

,

commercial asset finance

, equipment finance, business lending, or lending operations

Experience managing applications through the full lifecycle, from submission and assessment through approval and settlement

Strong knowledge of

Australian business structures

, including sole traders, partnerships, proprietary limited companies, and trusts

Demonstrated ability to interpret commercial credit reports, financial statements, bank statements, cash flow information, and business documentation

Practical understanding of

repayment capacity

,

credit risk

, lender policy, risk appetite, security, exposure, and application .