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Commercial Credit Underwriter

Full Time, Permanent — Sydney, NSW

Apply now or see all openings

Commercial Credit Underwriter

What you'll do

  • Assessment of Commercial credit applications with delegated underwriting authority in accordance with Company policies and with the commercial risk environment
  • Managing 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 adhered to.
  • 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 in relation to any project or ad hoc matters
  • Assist colleagues through knowledge sharing
  • 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, logical thinking to obtain the best outcome for the customer and the business.
  • Able to identify and develop growth through collaboration with the sales team.
  • Professional customer service experience with both internal and external customers
  • Ability to manage competing business pressures and customer needs.
  • A focus on continuous process improvement
  • Excellent written and oral communication skills
  • 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 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

  • Employee Share Options. We want to build a successful company which means sharing the potential upside together.
  • 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.
  • 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.
  • Apply now or see all openings
    Mix of Brighte staff and company stats Mix of Brighte staff and company stats


    Don’t just take our word for it. Here’s what people are saying on Glassdoor.

    “Simply the best place. you wont regret here. Lot of stuff to do and learn and you're free to do so.”

    Software Engineer Current Employee

    “Heaps of opportunity to grow exponentially. Working with Katherine is an experience in itself. Fast paced not startup anymore.”

    Operations Current Employee

    “Friendly people, efficient team, good career opportunity”

    Team Leader Former Employee

    “Good working environment and work-life balance.”

    Investment Manager Current Employee