Senior Credit Analyst

The Opportunity

Our Credit team is currently looking for an experienced Senior Credit Analyst. Reporting to the Head of Credit, you will be responsible for evaluating, managing and controlling the Commercial Credit portfolio for profitable and predicable risk outcomes. Assessing and recommending BMW & Alphera dealer and Alphabet funding requests, annual reviews and limit renewals, promptly and within Credit guidelines. Internal and external relationship management. Undertake relevant security audits to safeguard the interests of BMW Financial Services Australia.

Additionally, the role is responsible for:

• Monitoring and conduct annual reviews and prepare new business proposals for BMW and Alphera dealers and Alphabet fleet customers, whereby mitigating excessive risk to BMW Financial Services by analysing dealers and fleet customers financials and operational performance.
• Assessing the appropriate structure and security position for the credit proposals with the recommendations presented to the relevant credit committees (local and regional) for approval.
• Additionally, preparation and verification of Letters of Offer, and ensuring that all required documentation is in place prior to facility activation.

What you will bring to this role

• Bachelor degree in Business and/or Commerce with a major in Accounting and/or Finance.
• At least 5 year of experience in the financial services industry, preferably with experience in the area of Credit &/or Data Analytics.
• Strong understanding of the company financials and budget / forecasts
• Competent level of use of Microsoft Office Suite – in particular Excel, Word and PowerPoint.
• Excellent presentation,  negotiation, interpersonal, communication and organisational skills.

What you can look forward to

We believe in hiring the best talent in the market and fostering an environment where our people can learn, experience and grow. What you can expect is:

• An attractive remuneration package including a company vehicle
• Flexible Work policy and practices
• Health & Wellbeing initiatives
• Lifelong learning & career development
• BMW & MINI promotions and product offers
• Annual spend on BMW & MINI merchandise
• Free onsite parking
• Onsite café
• Subsidised onsite gym, dry cleaning and car wash facilities

• A dynamic, inclusive and sustainable working environment

BMW Group is an equal opportunities employer and takes great pride in fostering and promoting diversity in every aspect of our work life and culture.  We highly regard the skills, knowledge, experience, ideas, perspective and energy our diverse workforce brings into the company.

Employment at BMW Group Australia is conditional upon pre-employment checks undertaken by the candidate on request and clearances received.  This includes qualifications and employment checks, relevant background checks and may include police check(s) and credit check(s).

By submitting an application for a role at BMW Group Australia the candidate confirms:

• They have valid rights to work in Australia
• They agree to undertake integrity checks upon request should their candidacy progress to an offer of employment.