Commercial Credit Underwriter at Brighte

Credit, Full Time, Permanent, Sydney, NSW sydney full-time
Posted 10 days ago

Brighter Together

At Brighte, we believe every Australian deserves access to a sustainable and comfortable home. How do we help Australian’s achieve this? We build innovative mobile and web platforms, responsible and seamless financial solutions, and relationships with customers and vendors that last. Our addressable market is massive and rooted in a positive mission that empowers Australian’s and the growing and critically important sustainability market. 

We have been recognised for our incredible work in diversity and inclusion and have a leadership team that is passionate about building a high-performing culture where people feel a sense of belonging. If you’re keen to work for a mission-driven company, with smart people who live and breathe Brighte’s values, have a read below.

Brighte are looking for an exceptional Commercial Credit Underwriter to join the Operations Team.

You will be responsible for evaluating financial information and risks, as well as making decisions on loan grants of unsecured commercial credit applications. You will also assist with vendor accreditations when required.

What You'll Do

  • Assess commercial credit applications with delegated underwriting authority in accordance with Company policies and the commercial risk environment
  • Manage all aspects of the Commercial credit underwriting process within delegated lending authority – including verifying application data, analysing credit reports, property searches and researching businesses, financial analysis where needed
  • Assess and review the credit and fraud risk of vendors applying for accreditation
  • Ensure applications are compliant
  • Manage daily workflow for commercial credit analysis to ensure all SLAs are met
  • Act as primary point of escalation between sales management and credit department
  • Provide sound, high quality recommendations to management on complex commercial deals
  • Increase the efficiency and accuracy of our processes through automation and assist in drafting risk policies
  • Support Head of Credit Operations and/or Senior Credit & Manager with projects or ad hoc tasks
  • Who You Are

  • Gritty Mindset: keen to be challenged, working in a fast paced, high-pressure, and dynamic environment.
  • Aligned to Brighte’s Values which are: Deserve the Customer, Brighter Together, Call the Ball, Be Human and Think Big Stay Green.
  • A passion for customer service alongside strong judgement and logical thinking to obtain the best outcome for the customer and the business.
  • Able to identify and encourage growth through collaboration with the sales team.
  • Ability to manage competing business pressures and customer needs.
  • A focus on continuous process improvement.
  • Able to work autonomously with strong attention to detail.
  • Demonstrated understanding of implications for working within a regulated environment.
  • Able to build and maintain strong, long-lasting customer relationships.
  • A high achievement drive and strong commercial acumen.
  • Organised and proactive.
  • Have high integrity and be open, honest, respectful, and trustworthy.
  • Exposure to different stages of the commercial credit approval process including customer engagement.
  • Lending delegation experience of more than 3 years
  • Understanding of relevant regulatory legislation under the Australian Securities and Investments Commission Act (2001) (ASIC Act), Competition and Consumer Act, The Anti-Money Laundering, and Counter-Terrorism Financing Act and Privacy Act; and National Consumer Credit Protection Act as well as Australian Privacy Principles and the new BNPL code.
  • Strong Computer skills, ideally with experience in FinPower
  • Why Brighte?

  • Flexible working. It's all about balance so feel free to work from home when you need to.
  • Generous Parental Leave Policy. We couldn't get where we are today without our families.
  • Employee Share Options. We want to build a successful company which means sharing the potential upside together.
  • Diversity and Inclusion. Winning Best Workplace Diversity award at the 2020 Finnies.
  • Employee Assistance Program. For confidential financial, work, relationship, or wellbeing support.
  • Recognition and Reward Brighte Stars program. We drive a culture of recognition and celebration by shining a light on our accomplishments and everyday victories.
  • Nutritious food. A well-stocked pantry including free breakfast, daily fresh fruit, espresso coffee, yoghurt, Tim Tams and many more snacks to make work feel a little more like home. We've also got kombucha, beer, and wine on tap.
  • End-of-Trip Facilities. Cycle in to work, lock up your wheels, and have a shower in our end of trip facilities with towel service and hair dryers.
  • We’re a high performing team and proud to be backed by investors who believe in our mission and the opportunity we have ahead of us. Airtree Ventures, Mike Cannon-Brookes’ Grok Investments, Kim Jackson and Scott Farquhar’s Skip Capital as well as Qualgro Partners continue to help us scale our teams and products. 

    We’re recognised as one of Australia’s leading fintech companies, having been ranked the 6th fastest growing Technology Business in Australia in the Deloitte Fast 50/500 (2020) and winning the inaugural Finder Green Award (2020). We’ve also been recognised as a leading FinTech by the Australian Financial Review, Fintech Business Awards and KPMG.