Credit Analyst

in2capital | Convenient Metro, train and bus based location | Hybrid | Full-time

About in2capital

At in2capital, we believe business finance should move at the speed of business. We're building a business lender around speed, technology, transparency and commercial decision-making. We offer Business Term Loans and Lines of Credit to Australian SMEs, give same-day credit decisions, and work closely with brokers.

The role

We're looking for a mid-level Credit Analyst to join our credit team. You'll assess SME loan applications, mostly by reading bank statements to understand how a business really trades.

What you'll do

• Analyse business bank statements to assess cash flow, how much debt a business can service, how its trading moves and any risk flags

• Assess Term Loan and Line of Credit applications and make recommendations

• Spot red flags such as dishonours, undisclosed debts, gambling, or cash flow that is lumpy or seasonal

• Work with brokers and the sales team to structure deals that fit the business

• Help us keep a fast, consistent decision process and improve our credit policy

What you'll bring

• At least 4 years of experience analysing bank statements for SME cash flow lending (non-bank, fintech or bank)

• Strong commercial judgement and the confidence to make a call

• Solid grasp of SME financials, BAS/ATO portals and credit bureau reports

• Clear written communication and attention to detail

• Comfort working at pace in a growing business

Why in2capital

• Competitive salary + super

• Hybrid working from a convenient Metro, train and bus based location

• A real say in shaping credit at a growing lender

• Fast decisions, little bureaucracy and a team that backs your judgement

How to apply: Email your CV to dv@in2capital.com.au.

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