Job Description

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Credit Analyst

Advertiser: MoulaMore jobs from this company

Job Information

Job Listing Date
13 Feb 2020
Location
Melbourne, CBD & Inner Suburbs
Work Type
Full Time
Classification
Banking & Financial Services, Credit

Credit Analyst

About us

  • #14 LinkedIn Top Startups

Moula is a better way to borrow money to grow your business. Once upon a time, getting a business loan meant spending 6-8 weeks filling in forms and then waiting around for approval. With Moula, you can apply online with no paperwork and no hassle, and have the funds in your account the next day. 

We’ve developed a unique platform that will analyse a business’ data, making the process simple, fast, and friendly. But we’re not just a smart algorithm; we’re all about human interaction, which is why we have a team of real people who will get to know each business’ unique needs. Founded in Australia by an experienced team who are passionate about using technology to simplify finance, Moula continues to lead the market with our transparent pricing and responsible lending practices.

 

About the position

The Underwriter plays an integral role within a dynamic and vibrant team, supporting our customers by delivering credit/ risk decisions, engaging conversations and a level of customer service that stands out within the financial market.   

We're looking for someone who can understand business financials and can leverage their underwriting experience to provide an engaging funding conversation with our customers and ensuring our business loans are processed efficiently and effectively.

 

Key responsibilities

  • 8am - 7pm coverage, including non-national holidays (alternating roster)

  • Liaise with Direct Sales and Partner Sales teams

  • Manage the end to end underwriting process for loan applications (within individual credit approval level) 

  • Think outside of the box about how credit could be offered based on each individual circumstance

  • Communicate outcomes and the decision making rationale to Direct and Partner Sales teams

  • Provide recommendations for credit underwriting applications outside individual credit approval level 

  • Ensure that all funding applications are reviewed in line with all applicable credit criteria and lending policies

  • Deliver to all regulatory and legislative requirements

  • Meet all Moula risk and compliance requirements 

  • Underwriting in accordance with AML/KYC & Privacy Act and all other legislation regarding Business Lending

  • Undertake activities in a manner that clearly demonstrates and promotes concern for quality and the commitment to our risk culture through the reduction of inconsistencies, uninformed risk taking and errors in the application of work

 

About you

  • You must have commercial underwriting experience working in a BSB capacity 

  • You will have an in-depth understanding of business lending

  • You have strong financial acumen

  • You pride yourself on your attention to detail and follow-up

  • You have a willingness to develop and continuously improve 

  • You have loads of initiative and self-motivation and the ability to work in a fast and ever-changing environment

 

And finally, about the team you’ll be working with

We don’t know it all. We’re not looking for someone who does. But you’ll need to be prepared to roll your sleeves up, be curious, and keep pushing until you’ve found the boundary. We don’t believe in perfect, but we do believe in testing, learning, and asking more questions than any of us had thought of to start with. 

We’re a quirky bunch, we love a good laugh, and we’re not afraid to face a challenge head on. No two of us are alike, so to fit in, you’ll need a good dose of different.

 

About us

  • #14 LinkedIn Top Startups

Moula is a better way to borrow money to grow your business. Once upon a time, getting a business loan meant spending 6-8 weeks filling in forms and then waiting around for approval. With Moula, you can apply online with no paperwork and no hassle, and have the funds in your account the next day. 

We’ve developed a unique platform that will analyse a business’ data, making the process simple, fast, and friendly. But we’re not just a smart algorithm; we’re all about human interaction, which is why we have a team of real people who will get to know each business’ unique needs. Founded in Australia by an experienced team who are passionate about using technology to simplify finance, Moula continues to lead the market with our transparent pricing and responsible lending practices.

 

About the position

The Underwriter plays an integral role within a dynamic and vibrant team, supporting our customers by delivering credit/ risk decisions, engaging conversations and a level of customer service that stands out within the financial market.   

We're looking for someone who can understand business financials and can leverage their underwriting experience to provide an engaging funding conversation with our customers and ensuring our business loans are processed efficiently and effectively.

 

Key responsibilities

  • 8am - 7pm coverage, including non-national holidays (alternating roster)

  • Liaise with Direct Sales and Partner Sales teams

  • Manage the end to end underwriting process for loan applications (within individual credit approval level) 

  • Think outside of the box about how credit could be offered based on each individual circumstance

  • Communicate outcomes and the decision making rationale to Direct and Partner Sales teams

  • Provide recommendations for credit underwriting applications outside individual credit approval level 

  • Ensure that all funding applications are reviewed in line with all applicable credit criteria and lending policies

  • Deliver to all regulatory and legislative requirements

  • Meet all Moula risk and compliance requirements 

  • Underwriting in accordance with AML/KYC & Privacy Act and all other legislation regarding Business Lending

  • Undertake activities in a manner that clearly demonstrates and promotes concern for quality and the commitment to our risk culture through the reduction of inconsistencies, uninformed risk taking and errors in the application of work

 

About you

  • You must have commercial underwriting experience working in a BSB capacity 

  • You will have an in-depth understanding of business lending

  • You have strong financial acumen

  • You pride yourself on your attention to detail and follow-up

  • You have a willingness to develop and continuously improve 

  • You have loads of initiative and self-motivation and the ability to work in a fast and ever-changing environment

 

And finally, about the team you’ll be working with

We don’t know it all. We’re not looking for someone who does. But you’ll need to be prepared to roll your sleeves up, be curious, and keep pushing until you’ve found the boundary. We don’t believe in perfect, but we do believe in testing, learning, and asking more questions than any of us had thought of to start with. 

We’re a quirky bunch, we love a good laugh, and we’re not afraid to face a challenge head on. No two of us are alike, so to fit in, you’ll need a good dose of different.

 

The application form will include these questions:
  • Which of the following statements best describes your right to work in Australia?
  • What's your expected annual base salary?
  • How many years of credit management experience do you have?
  • How much notice are you required to give your current employer?

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