Senior Credit Analyst

Great role to use your financial modelling and analysis skills for successBe part of a dynamic team in an organisation with great purposeHybrid working Housing Australia (formerly named the National Housing Finance and Investment Corporation) is the Commonwealth’s independent housing authority, established as a corporate Commonwealth entity in 2018 under the Housing Australia Act to improve housing outcomes for Australians. Housing Australia sits within the Treasury portfolio and is governed by a Board of non-executive directors appointed by the Minster for Housing. Housing Australia administers a number of government programs, including the Housing Australia Future Fund Facility, National Housing Accord Facility, Affordable Housing Bond Aggregator, National Housing Infrastructure Facility and Home Guarantee Scheme. Housing Australia delivers on its objective of improving housing outcomes by providing grants, loans and other support to increase the supply of housing, encouraging investment in housing, providing finance or grants that support housing programs within other areas of government, increasing the capability of the community housing sector and assisting individuals to access the housing market earlier. Home | Housing Australia About the role As a key member of the Portfolio Management team, you will support the team with research, analysis and develop a comprehensive database of client/industry specific information, ideas and solutions. You will undertake financial modelling and analysis and assess the risks/opportunities on existing lending, as well as the risks associated with client requests to vary their facilities. You will play a pivotal role in assisting the Portfolio Managers with the management of the portfolio, including loan and facility administration, risk management, compliance together with strategy planning and implementation, and client relationships once the facility has been executed. Key responsibilities Financial modelling and analysis relating to existing Housing Australia clientsPrepare credit submissions for annual reviews, new client requests/amendments, coordination of deal execution through documentation and funding/completionManage the portfolio’s data quality, compliance and reporting requirements such as annual reviews, covenant dates and other conditions subsequentPerformance monitoring and annual reviews for existing clients, and reporting of client financial and operational performance to Risk ManagementBuild and maintain effective working relationships with the Legal, Credit Assessment, Valuations and Finance teamsStructure and clearly articulate the credit merits of a transaction, including identifying and mitigating key risksEnsure compliance of client covenant and reporting obligations Skills and experience At least 3- 5 years’ experience in banking and finance in property and/or commercial banking creditStrong understanding of balance sheets, P&L, structuring of loans, securities and financial productsExperience in the financing of community housing and / or knowledge of the regulatory environment in relation to community housing will be desirableStrong analytical and numeracy skills, with the ability to use computer spreadsheets and other PC packages including advanced excel skills (financial modelling)Excellent interpersonal skills and the ability to communicate effectively with clients and key stakeholders e.g. credit department, legal team, etc. Client service experience ideally in a Commercial or Business banking environment Well-developed financial analysis and modelling skills Ability to quickly grasp complex transactions, and ideally have previous client contact and management experience.Tertiary qualifications in Business/Finance and/or Commerce We would love to hear from you. Please submit your CV, preferably with a cover letter as one document outlining your interest and suitability, via LinkedIn. We value diversity in our team and welcome all applications from all candidates. This role is based in our Sydney CBD office. We offer flexible working, with the opportunity to work in the office and from home, in a supportive team environment, while making a difference in our purpose-led organisation. No recruitment agencies please – we will reach out if we require any agency assistance. Thank you.