At ACL Group, we're not your typical finance company. We're pioneers in the world of non-traditional car finance, helping people who may not fit the typical lending criteria get the financial support they need. We work with a variety of customers, from those with a great credit history to those who have struggled to secure finance with mainstream lenders.What sets us apart? It's our customer-first approach, our highly skilled team, and our commitment to integrity in everything we do. We believe in doing things the right way - by following industry standards, adhering to best practices, and always putting our customers' needs at the forefront.About the RoleAs a Credit Analyst at ACL Group, you'll be a key player in our lending operations. Your mission? To review and assess consumer credit applications, making data-driven decisions based on your analysis of financial data and credit risks. You'll work closely with brokers and customers, ensuring the whole process - from application to settlement - is smooth, efficient, and fully compliant.Key ResponsibilitiesHere's what you'll be up to:Assessing and making informed decisions on consumer credit applications.Reviewing financial documents and supporting information to evaluate creditworthiness.Analysing credit risk and ensuring underwriting decisions align with company policies.Keeping lending activities compliant with all relevant legal and regulatory requirements.Building strong relationships with brokers, dealers, and customers.Contributing to the continuous improvement of credit systems, processes, and reporting.A Little Bit About YouWe're looking for someone who brings a sharp eye for detail and a passion for making smart decisions. Here's what you need to thrive:Attention to Detail: You spot the small stuff that matters, ensuring accurate assessments and risk evaluations.Strong Communication: You know how to explain credit decisions clearly to both customers and stakeholders - written and verbal.Problem Solver: You think on your feet and find creative solutions to complex issues.Time Management Pro: You're great at juggling multiple tasks without compromising on quality or deadlines.Adaptable & Open-Minded: Comfortable with change, you thrive in a dynamic environment and keep up with evolving policies and technology.Team Player: You work well with others, whether it's your colleagues, brokers, or customers.Integrity: You hold yourself to high ethical standards, always acting with discretion and accountability.Credit Risk Management: You've got a solid understanding of how to assess and manage credit risk, and you're familiar with credit scoring systems.Regulatory Knowledge: You know the ins and outs of lending compliance - AML, KYC, NCCP, and other key regulations.Excel/Tech Skills: You're comfortable using Excel or similar tools to analyse financial data and generate reports.Experience with Credit Systems: Familiarity with CRM or underwriting software is a plus.Financial Statement Savvy: You can read and interpret income statements, balance sheets, and other key financial documents.Negotiation Skills: You're not afraid to negotiate terms or payment structures to get the best deal for everyone.Customer Relationship Management: You're great at maintaining strong relationships with brokers, customers, and other stakeholders.Certifications: A qualification like a Certificate IV in Credit Management or CFA would be a bonus.What We OfferWe're all about helping you grow - both personally and professionally:Career Growth: We believe in promoting from within. You'll have plenty of opportunities to advance in your career and develop new skills through mentorship programs and internal promotions.Supportive Work Environment: You'll be part of a close-knit team where your ideas and contributions are truly valued.Accommodating Hours: Enjoy working Monday to Friday with no weekend work!Central Location: Southport office, close to public transport including the GLink.Education Support: We offer study assistance and training programs to help you reach your full potential.How to applyIf you are looking to accelerate your career with an industry leader, please click the "APPLY" button and ensure you include:Resume (no more than three pages)**Only successful applications will be contacted for an interview.
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