Credit Analyst

About UsBalmain is a privately owned financial services organization with a broad focus across commercial mortgage finance and investment funds management. The company arranges and provides lending solutions, leveraging access to wholesale institutional funds, bank balance sheets, and private markets locally and internationally. Balmain’s experienced team is skilled in structuring tailored financial products that meet diverse client needs. Its unique funding capabilities enable the delivery of a distinct and competitive financing experience for clients.
Primary RoleIn this role, you will be responsible for processing credit risk related works such as borrower’s rating and credit applications. Regular reporting and communication to Credit along with Senior Credit Managers and Heads of Credit from time to time, and related parties. The role is responsible for engaging and supporting our customers, to ensure Balmain understands their financial position/performance, experience and ability to meet financial obligations.
Key ResponsibilitiesAssist Credit Manager and Senior Credit Managers review Credit Submissions and provide analysis of loan opportunities Undertake financial analysis (financial statements and project feasibilities) and credit worthiness for loan applications Complete internal credit reports, for loan approval recommendations and investor materialStructure and draft offer letters and term sheets in conjunction with Senior Credit ManagersAssist with drafting of SPDS reportsReview development loan QS reports and recommend progress paymentsRecommend settlement paymentsWork closely with the Credit team’s external loan management provider, lending panel consultants and security document custodiansAssist with the loan documentation process and negotiation
Competency/Job Skill Attributes/RequirementsDesire to develop experience in real estate specific banking and finance rolesPrevious work experience in a Credit specific position preferred Ability to assist Credit and Senior Credit Managers with review and structure of commercial development and investment loans from initial origination stage to financial close Develop credit risk framework skillsLearn to review and understand loan agreements and liaise with legal consultants to draft loan documentation Develop legal understanding of loan settlement processDevelop the ability to work autonomously within a team setting Time management & organisational SkillsPersonable and ability to work in a team is essentialCommunication skills (written & verbal)Problem Solving/LogicalHigh attention to detailUse of initiative to solve problemsMicrosoft Office & Excel SkillsIntegrity and Trustworthiness