PRIMARY ROLE The Credit Analyst will be primarily responsible for supporting the key functions for the Canberra based Origination team.
In this role, you will be responsible for preparing information to aid the Originator in assessing loans including modelling, feasibility studies, credit submissions and other assessment activities as well as portfolio manager, and regular reporting and communication with those in the Origination team. The Credit Analyst will also liaise with other Balmain business units as required.
The Credit analyst will be responsible for assisting the Origination team in supporting the clients and aiding in understanding their financial position and performance.
RESPONSIBILITIES Assist the Originator in the origination of loans from initial inquiry, approval and loan settlement Preparing quality credit submission papers with financial and risk analysisFinancial modelling of clients' accounts to assess income and affordability.Preparation of feasibility and funding studies to analyse project viabilityLiaise with internal and external stakeholders throughout the origination process as requiredWeekly update and tracking of existing transactionsManagement of the Origination team's portfolio with view to client retention, including loan renewalsEnsure that loan renewal, annual review and condition subsequent deadlines are metDevelop and maintain an in-depth knowledge and understanding of Balmain's internal funding programmes, policies, processes and procedures.Maintain a good knowledge of the commercial real estate funding market including banks, non banks, institutions and private debt funds. Dealing with routine queries received from clients, investment managers, third partiesCompletion of all administration requirements in relation to the loans you manager within your team, including database management. Attendance at regular Balmain company and analyst meetings in addition to lender information meetings which are scheduled from time to time.Referring business opportunities to the originator as they arise through existing clients, referrers and wider network. Supporting team members to maximise the efficiency and effectiveness of the teamCOMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS No less than 2-3 years' experience in real estate specific banking and finance roles or real estateThe ability to review, analyse and structure commercial development and investment loans from initial origination stage to financial closeHave a strong understanding of development finance and the construction processUnderstand credit risk frameworkWorking knowledge of commercial loan settlements and sound understanding of settlement processThe ability to work autonomously in a team settingTime management & organisational skillsPersonable and ability to work in a teamStrong communication, in both written and verbal formsHigh level of accuracy and attention to detailExcellent computer literacy - MS Word & Excel literate
