Credit Analyst / Risk Analyst

Role overview

The Credit Analyst / Risk Analyst role focuses on evaluating whether borrowers or investment opportunities are financially sound, and on identifying business, operational, and market risks that could affect lending or investment decisions. The position provides data-backed insights that help shape approval decisions, portfolio oversight, and broader business strategy.

Key responsibilities

You will review financial and operational information to judge creditworthiness and risk exposure. The work includes examining financial statements, credit histories, cash flow data, and other supporting documents, then using both numerical and qualitative analysis to understand business viability, sector performance, and market conditions.

The role also involves preparing credit reports, risk assessments, financial analysis summaries, and recommendation papers for approval, portfolio monitoring, and strategic decision-making. In addition, you will track changes in existing accounts or portfolios, flag emerging concerns, and suggest actions to reduce potential losses.

Another important part of the job is helping improve credit policies, risk frameworks, internal controls, and portfolio monitoring processes. You will also contribute to compliance support, stress testing, scenario analysis, and risk reporting, while working closely with finance, compliance, operations, and business teams.

The position further supports the refinement of analytical models, reporting methods, and risk assessment workflows to improve accuracy and efficiency.

Required qualifications and capabilities

A solid grasp of credit analysis, financial statement interpretation, corporate finance, lending principles, and risk assessment is needed for this role. You should be able to review financial performance and spot important credit, operational, and business risks.

Strong spreadsheet skills, financial modeling ability, data analysis capability, and reporting experience are important. Familiarity with credit evaluation systems, risk software, and business intelligence tools will be considered an advantage.

The job calls for strong analytical thinking, quantitative reasoning, and problem-solving skills, along with the ability to interpret complex financial information and turn it into practical recommendations.

You should also understand credit risk management, portfolio analysis, cash flow analysis, financial ratios, internal controls, regulatory compliance, and enterprise risk management concepts. Clear written and verbal communication, attention to detail, good judgment, confidentiality, and the ability to manage several priorities in a fast-moving environment are all essential.

Additional notes

This is a part-time, onsite position based in Australia.

No salary, stipend, or vacancy count was specified in the source information.