Job Purpose

Are you a seasoned credit professional who thrives on balancing sound risk management with exceptional customer outcomes?

Join our dynamic team as a Senior Retail Credit Analyst in St Marys, NSW, where you’ll play a key role in leading responsible lending decisions that support both our customers and our business growth.

In this role, you’ll not only bring strong technical experience in credit analysis and decision-making, but also act as a mentor and subject matter expert across the credit function. You’ll take the lead on complex applications, financial statement reviews, and key account facility assessments, while playing a critical role in shaping portfolio-level insights and credit strategies.

You’ll work closely with internal stakeholders, brokers and legal counsel to ensure deals are well-structured and in line with policy, regulatory and compliance requirements. Your ability to interpret trends, develop risk-based tools like credit scorecards, and drive system improvements will help deliver smarter decisions at scale.

If you’re ready to apply your analytical skills in a role that has real impact – we’d love to hear from you!

Grow a career. Build a future.

Key Responsibilities

• Assess and underwrite equipment finance applications in line with credit policies and authority levels
• Conduct financial analysis and prepare detailed credit submissions for retail and key account customers
• Analyse portfolio trends to identify and mitigate credit and capital risk exposure
• Recommend alternative finance structures to achieve optimal outcomes for the business and customers
• Review and maintain credit limits, conditions, and securities for key account facilities
• Ensure compliance with credit policies, legal, regulatory and privacy requirements
• Liaise with legal counsel to prepare and finalise security documentation
• Collaborate with collections to identify and escalate early signs of financial difficulty
• Contribute to credit scorecard development, system testing, and credit risk reporting
• Provide support and coaching to internal stakeholders on credit policy, risk and compliance
• Champion continuous improvement and high-quality credit standards across the team
• Maintain strong stakeholder relationships and uphold ethical decision-making in all activities

Experience Required

• Minimum 5 years of experience in financial services, asset finance or a senior credit underwriting role
• Strong financial acumen with demonstrated expertise in interpreting and analysing financial statements
• Proven ability to lead, mentor and influence others across cross-functional teams
• Strong relationship management and interpersonal skills
• Effective time management and organisational skills
• Confident with computer systems and able to learn new platforms quickly
• Excellent written and verbal communication skills with the ability to present to senior stakeholders and committees
• Deep understanding of credit risk, compliance and legislation
• Skilled in using credit decisioning systems and developing risk-based tools and processes
• Tertiary qualifications in banking, finance, accounting or commerce are highly regarded

About Us

CNH is a world-class equipment and services company dedicated to advancing the noble work of agriculture and construction workers. Driven by our shared purpose of Breaking New Ground, we are passionate about bringing Innovation, Sustainability, and Productivity to all that we do. As a truly global company, CNH’s 37,000+ employees form part of a diverse and inclusive workplace, focused on empowering customers to grow, and build, a better world through our core brands including Case IH, New Holland, Horwood Bagshaw, K-Line Ag and Flexicoil.

We are proud to be a certified Great Place to Work, showcasing our commitment to fostering a positive and inclusive workplace culture.

What We Offer

We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.

At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including:

• Opportunity to develop your skills in a dynamic environment
• Competitive base salary and performance incentives
• Retail & health insurance discounts
• Paid parental leave
• Novated leasing