COMMERCIAL CREDIT ANALYST

Who We Are\n\nIntegrity. Quality. Humanity. Commitment. Innovation.\n\nThese aren\u2019t just our values - they guide how we work, think and show up every day.\n\nAt John Deere Financial, we empower people to create smart, practical solutions that make a real difference. We think differently, act with purpose, and give back to the communities we serve. It\u2019s what makes us proud of what we do \u2014 and who we do it with.\n\n## The Opportunity\n\nWe are looking for an experienced Commercial Credit Analyst to join our Credit \u0026 Risk team. \nIn this role, you will analyse, underwrite and manage medium to large and complex credit exposures, while supporting the continued evolution of our credit capability as technology and automation increasingly shape financial services. \nThis role suits someone who combines strong manual credit assessment skills with a curiosity for improvement, learning and future technologies.\n\nWhat You\u2019ll Be Doing\n\n * Analyse, structure and underwrite commercial credit transactions within delegated authority\n * Manage complex dealer and retail customer relationships\n * Monitor borrower performance, establish appropriate credit limits and execute collection strategies where required\n * Prepare high\u2011quality credit papers and risk assessments for approvals above authority\n * Negotiate and prepare credit documentation using Deere templates or legal agreements\n * Identify opportunities to support new and existing business growth\n * Contribute to credit process improvement, including the use of digital and automation tools\n * Support, coach and mentor less\u2011experienced team members\n * Prepare reports and insights on portfolio performance and risk trends\n\n\n\n## What We\u2019re Looking For\n\nMust Have\n\n * A foundation in commercial credit, financial analysis or risk assessment, with exposure to manual credit underwriting and the ability to apply judgement beyond automated scorecards\n * Ability to analyse financial information with sound judgement, attention to detail and risk awareness\n * Clear and professional communication skills and work constructively with stakeholders and the team\n * Self\u2011motivated and accountable, comfortable managing priorities independently while contributing to a team\n * An agile and adaptable mindset, open to change and evolving ways of working\n * Genuine willingness to learn and develop, including adapting to new tools, systems and automation over time\n * Strong integrity, resilience and commitment, aligned to John Deere\u2019s values\n\n\n\nNice to Have\n\n * Experience in commercial credit, banking, finance or related financial services\n * Strong exposure to manual underwriting of medium or complex credit structures\n * Qualification in Accounting, Finance, Commerce or a related discipline\n * Interest in process improvement, digitisation or AI\u2011enabled credit solutions\n\n\n\nEducation / Experience\n\nIdeally hold a degree or equivalent qualification in Accounting, Finance or a related discipline, or be able to demonstrate equivalent practical experience\n\nWhy Join Us?\n\n \nAt John Deere Financial, you\u2019re empowered to build a career with genuine choice and support. You\u2019ll be encouraged to think differently, challenge established ways of working and use modern tools and technology to deliver meaningful outcomes. \nWe\u2019re a global organisation that genuinely values its people. You\u2019ll join a supportive, inclusive culture where wellbeing, flexibility and professional growth are taken seriously \u2014 not just talked about.\n\nWhat do we offer:\n\n * A friendly, inclusive workplace where wellbeing is a real priority\n * Mature and flexible working arrangements that support true work\u2013life balance\n * Ongoing professional development opportunities, including higher education, training and professional memberships\n * 15% superannuation with the John Deere Mercer Super Plan\n * 16 weeks paid parental leave, annual leave loading, purchase leave options and paid community leave\n * Free on site parking and a range of health, safety and wellbeing programs\n * Regular social activities and opportunities to connect across the business\n\n\n\nWe are committed to fostering a workplace where people feel included, valued and supported. \n\nWe welcome applications from all backgrounds and believe that diversity of thought, experience and perspective helps us perform at our best \u2014 as individuals, as teams and as a business.\n\nWe strive for a workforce that is as diverse, talented and passionate as the communities we serve. We are committed to creating an inclusive environment where everyone feels valued and supported.\n\nJohn Deere Australia is proud to be recognised by Diversity Council Australia as an Inclusive Employer for three consecutive years (2021\u20132024) and to partner with WORK180, supporting women in the workforce.\n\nPlease click the \u0027APPLY\u0027 button now and send through your resume and cover letter detailing your previous relevant experience and why you are the perfect candidate for our team. \n\n \nNote: Appropriate work authorisations are required in this country prior to application. \n\nThe information contained herein is not intended to be an exhaustive list of all responsibilities and qualifications required of individuals performing the job. The qualifications detailed in this job description are not considered the minimum requirements necessary to perform the job, but rather as guidelines.\n