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Senior Credit Risk Analyst

Team: Risk & Compliance
Location: Australia, Sydney
Work Type: Full Time
Reporting To: 

A bit about us:

Bluestone’s mission is to be the most successful non-bank lender in Australia & New Zealand. We’re not just a company, we’re a community! Our values reflect how we think, act, and build trust with our colleagues and customers. Above all, we Make It Happen, Think Different, Own It Like A Boss, Tell It As It Is, and are Better Together. These principles allow us to thrive as a team and support others in their journeys to grow and develop.

About the role:

As a Senior Credit Risk Analyst, you will play a pivotal role in assessing, analysing, and mitigating credit risks associated with mortgage lending. This will involve preparing, reviewing, and explaining daily, weekly, and monthly credit reports. You will work closely with teams to ensure appropriate risk management policies are developed and implemented, ensuring that risks are understood, quantified, mitigated, and priced appropriately.

Day to day will look something like this:

  • Prepare comprehensive reports and presentations on credit risk assessment, portfolio performance, and risk exposure for management and regulatory purposes
  • Utilise data analysis, and market trends to assess credit risks, identify potential issues, and provide recommendations to the management for risk mitigation strategies
  • Contribute to the development and enhancement of credit policies and procedures in line with industry regulations, ensuring compliance with lending standards and risk management guidelines
  • Contributing to the implementation and monitoring of credit policies and processes to ensure the portfolio is managed consistently with the bank’s policies
  • Act as SME providing guidance and support to stakeholders on credit risk-related matters, fostering a risk-aware culture within the organisation
  • Monitor the performance of existing loans, conduct periodic reviews, and provide recommendations for any necessary modifications, extensions, or collections
  • Support the broader team on various credit-related administrative takes such as covenant check and reporting, credit monitoring, maintenance of system records, documentation, etc
  • Periodic quality assurance review of lending team assessments and approvals of home loan applications

The ideal candidate will:

  • Bachelor’s degree in Business Management, Finance, Economics, Mathematics, or a related field
  • Proven experience of 3+ years in credit risk analysis within the mortgage or home loan sector, preferably in a non-bank lending industry
  • Strong understanding of credit risk methodologies, underwriting principles, and regulatory requirements within the lending industry
  • Proficiency in analysis tools or software (e.g., SQL, SAS, R, Python, PowerBI)
  • Excellent analytical skills with the ability to interpret complex data and draw actionable insights
  • Effective communication skills

What makes us a great place to work?

Our most important asset is our people. It’s as simple as that. That’s why we’re committed to investing in our employees. We’re big supporters of wellness initiatives, like monthly massages, fresh fruit delivered daily, and healthy breakfast options. Other benefits include:

  • Paid Parental Leave
  • Recognition program and bonus’
  • Hybrid working model & flexible hours
  • Modern offices in a CBD location
  • End-of-trip facilities for when you are in the office
  • Flexible leave, study leave, and a volunteer day

Next steps…

We appreciate the time you have taken to apply for a role with us and we will give your application the attention it deserves! You will hear from us no matter the outcome of your application. If you are a good match, one of our recruiters will give you a call.

Bluestone is committed to creating an inclusive and respectful workplace for all employees. Differences are embraced, contributions are valued, and everyone has a sense of connection and belonging. We welcome people with diverse skills, experiences, perspectives, and backgrounds and encourage applications from Aboriginal or Torres Strait Islander peoples, and individuals who may identify as LGBTIQ, with disability, a culturally diverse background, and people of all ages.

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Our Privacy Policy is available at www.bluestone.com.au.

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