Credit Risk Officer

Who We Are

We are a financial services company that specialises in fleet management, vehicle leasing and salary packaging, with a presence across Australia, the UK and NZ. A total portfolio under management of $2.5 Billion and over 1200 employees.

SOME OF OUR PERKS INCLUDE

• Recharge and relax with up to four extra days of leave each year. We call them Wellness days
• We offer industry leading 20 weeks paid parental leave
• Save plenty with vehicle salary packaging
• Monetary service milestone awards
• Recruitment referral bonus
• Discounted mobility products and services
• Flexible work arrangements
• Career progression opportunities
• Education support towards your growth, including an individual learning budget per year, free access to LinkedIn Learning and more
• Two paid volunteer days each year to give back to causes that matter to you
• Health and well-being support including a subsidy and an innovative Employee Assistance Program
  
  
  

https://www.sgfleet.com/au/about-us/careers

AS A CREDIT RISK OFFICER YOU WILL…

Actively manage the acquisition of credit lines with multiple funders supporting working capital and cashflow management. This is to include; but is not limited to external and internal credit applications for existing and new business customers, management of credit line renewals to support fleet renewal processing across our full product portfolio, provision of management reporting for the credit function, monitoring and tracking of credit lines and exposures and updating of all internal systems whilst ensuring adherence to credit policies.

The major responsibilities of this position include but are not limited to:

• Raising of credit applications to 3rd party funding partners and internal credit underwriting teams for new business, renewals and extensions and other fleet related products within the portfolios. Applications to include all customer data requirements to support KYC and AML procedures.
• Building and maintaining relationships with the external funding partners and the Sales and Customer Relationship teams ensuring business activity and funding requirements are understood and managed in a timely fashion, including conducting annual fleet reviews and actioning the processing of facility renewals.
• Carry out regular credit functions such as; population of margin Look Up Tables (LUTs) to ensure accurate rental calculations, ensuring accurate customer margin reporting, processing of contract novations, supporting the onboarding of new regulated customers ensuring appropriate due diligence checks are conducted, and providing regular reporting on funding facilities, headroom and utilisation levels.
• Understanding the financial implications of funding decisions being taken and acting appropriately on them.
• Obtaining and use of customer management information to support and review our credit position and exposures.
• To own specific project work, tasks, including staff training and be a champion of change to support process improvement.
  
  
  

Essential

• Experience of working within an underwriting team
• Experience of working within an asset finance team with diverse roles and responsibilities
• Exceptional positive communication skills
• Outstanding organisational and time management skills with an ability to prioritise
• Great problem solving skills with drive to follow through to resolution
• Strong numerical skill and knowledge
• Thorough and accurate
• Advance Excel skills a must
• Ability to work with multiple / complex systems
  
  
  

Desirable

• Miles system experience
• Experienced in our industry sector
• Wider commercial awareness of our sector
• Analytical skills and has desire for continuous process improvements to gain better efficiency
  
  
  

WHAT'S NEXT

We'd love to hear from you if you're ready to take on your next challenge at a company that embodies diversity and belonging while also offering work-life balance and career development.

We are a proud equal opportunity employer, and welcome everyone to our team. Resumes may be sent and interviews may occur before the application closure date. To give yourself the best chance of selection, please do not leave your application to the application 'close' date. As a pre-requisite to employment, the successful applicant will be required to complete a pre-employment screening.