Senior Commercial Credit Underwriter

At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products.

We believe Australian businesses are the driving force behind our economy and the heart of our community. That’s why our business expertise, relationship focus, and market-leading technology is at the core of everything we do.

Our unique approach and collaborative culture means you can build your career with support. You’ll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for the 25,000+ Australian businesses we’ve served (and counting!)

Job Description

What you’ll do:

As an experienced commercial credit underwriter, you'll assess working capital and asset finance requirements for large SMEs and small corporate customers.

You’ll be responsible for the evaluation, structuring and documentation of credit facilities. This will require direct conduct due diligence on complex businesses, applying credit policies and lending guidelines in conjunction with using your judgement to deliver sound customer-centric decisions.

As an experienced underwriter you‘ll be making pragmatic and rational decisions, considering the “four C’s of credit” whilst delivering a quality customer experience.

Qualifications

What you’ll bring:

Strong financial acumen with a proven ability to interpret and interrogate financial statements as part of credit assessments.

Previous experience assessing large SMEs and corporates for credit limits to support repeat asset purchases and/or working capital (e.g., trade finance, overdrafts or debtor finance) is highly desired.

A relationship manager mindset with strong credit experience looking to deliver great outcomes for Australian businesses.

Previously held delegated lending authority.

Finance or Accounting qualifications (preferred but not essential)

Additional Information

Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.

Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy.

Family support – industry leading 26 weeks paid parental leave.

Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.

Wellness focus – grab a healthy breakfast, snacks and if you like keeping active, we have excellent building facilities to support you.

Positive environment – come together with all your colleagues at Sydney HQ every 100 days to set and collaborate on key cross functional business priorities