Balmain Administration Services Pty Limited – Canberra ACT At Balmain, we provide an array of financial services that satisfy all of our client's financial requirements under one brand.
We build long-term relationships with our business partners to continue providing a high level of service to clients and lenders while offering a challenging and rewarding environment for staff.
We understand that the collective efforts of our people hold the key to our success.
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 management 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 assist the Origination team in supporting 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.
Prepare quality credit submission papers with financial and risk analysis.
Financial modelling of clients' accounts to assess income and affordability.
Preparation of feasibility and funding studies to analyze project viability.
Liaise with internal and external stakeholders throughout the origination process as required.
Weekly update and tracking of existing transactions.
Management of the Origination team's portfolio with a view to client retention, including loan renewals.
Ensure that loan renewal, annual review, and condition subsequent deadlines are met.
Develop 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.
Deal with routine queries received from clients, investment managers, and third parties.
Completion of all administration requirements in relation to the loans you manage 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.
Refer business opportunities to the originator as they arise through existing clients, referrers, and the wider network.
COMPETENCY / JOB SKILL ATTRIBUTES / REQUIREMENTS No less than 2-3 years' experience in real estate specific banking and finance roles or real estate.
The ability to review, analyze, and structure commercial development and investment loans from initial origination stage to financial close.
Have a strong understanding of development finance and the construction process.
Working knowledge of commercial loan settlements and sound understanding of the settlement process.
The ability to work autonomously in a team setting.
Time management and organizational skills.
Personable and ability to work in a team.
High level of accuracy and attention to detail.
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