Our values (innovation, collaboration, excellence, and integrity) are important in shaping our culture and supporting our vision to create customer value through integrated vehicle solutions. Our team is committed to gender equality, diversity, and inclusion in the workplace; in 2020 we were recognised as an Employer of Choice for Gender Equality. We are committed to innovation; developing and implementing the small and big ideas that allows us to drive better client outcomes and we have been recognised as one of the Most Innovative Companies in Australia and New Zealand in 2017, 2018, 2019 and 2020.
About the Position
Exceptional opportunity for experienced Commercial Analyst with 3-4 years plus experience in Asset Finance / Fleet or Corporate Credit analysis. This role will provide support to the Specialized Asset Finance and other businesses in relation to reviewing of credit profiles and processing of credit applications across varying asset classes as well as settlement related activities primarily relating to vehicle and commercial equipment finance opportunities. It will also provide credit support across other lines of business, including rental, novated and fleet as needed.

The successful candidate will have the ability to analyse financial statements (income statement/balance sheet/cashflows) in order to discuss the credit worthiness of a business customer introduced by various channels and possess excellent communication and interpersonal skills.



Key Responsibilities

• Analyse and evaluate credit applications for automotive asset finance and articulately underwrite opportunities across a wide variety of industries and asset classes.
• Assessment of the credit standing of various business customers, ranging from Sole Traders, Trusts and Small Businesses through to medium and large companies with complex financials & corporate structures.
• Make informed credit decisions and provide recommendations based on Financial, asset & transaction analysis. This involves possessing strong knowledge of financial statements, various corporate structures and assessing the relevant risks.
• Undertake all customer verification and identification procedures when and where required.
• Working alongside sales teams to assist in information gathering and structuring of transactions to ensure credit needs are understood and met.
• Ensuring accurate and timely loading of customer transaction information in various ORIX systems
• Collaborate with internal customers to support their understanding of the credit process and consistently strive to improve and enhance credit tools and methods.
• Approve Credit Applications as per delegated authority.
• Provide day-to-day support to the Credit Manager and the broader credit team on an ad-hoc basis.

Skills We Are Looking For

• Possess excellent asset risk knowledge in the equipment and automotive lending sector.
• At least 3-5 years strong experience in understanding, analysing, spreading and discussing business financial statements of small business to large corporates with a view to determining credit worthiness.
• Have strong Commercial Credit Underwriting Skills including some specific experience in an equipment/asset finance environment - can be non-bank or banking environment.
• Be competent in making timely credit decisions for large deal size transactions for New/Existing customers.
• Knowledge and understanding of various lease and loan products specific to commercial asset finance (Chattel Mortgage, Finance Lease, Rental, Operating Lease)
• Display strong understanding of the different business and legal structures in the Small/Medium sized business sector.
• Possess sound general knowledge of business types and applicable credit and legal risks including in particular the Privacy Act, PPSA and AML/CTF
• Have strong attention to detail with a "can-do" attitude towards writing new business.

Company Benefits

• Flexible work arrangements, ability to work onsite and from home
• 12 weeks of company paid parental leave for the primary carer and 4 weeks for the secondary carer, in addition to government parental leave pay
• 2 free days of vehicle rental and subsequent days at a low staff rate

EEO Statement
ORIX Australia is committed to achieving a diverse workforce that reflects our wider community. We ensure equal opportunity for everyone, regardless of age, culture, appearance, sexual orientation, lived experience, gender identity, disability and/or family status.



How To ApplyTo Join our thriving team, please follow the links and apply with resume. We cannot wait to hear from you!