COMMERCIAL CREDIT ANALYST

Who We Are Integrity. Quality. Humanity. Commitment. Innovation. These aren’t just our values - they guide how we work, think and show up every day. At John Deere Financial, we empower people to create smart, practical solutions that make a real difference. We think differently, act with purpose, and give back to the communities we serve. It’s what makes us proud of what we do — and who we do it with. ## The Opportunity We are looking for an experienced Commercial Credit Analyst to join our Credit & Risk team. In this role, you will analyse, underwrite and manage medium to large and complex credit exposures, while supporting the continued evolution of our credit capability as technology and automation increasingly shape financial services. This role suits someone who combines strong manual credit assessment skills with a curiosity for improvement, learning and future technologies. What You’ll Be Doing * Analyse, structure and underwrite commercial credit transactions within delegated authority * Manage complex dealer and retail customer relationships * Monitor borrower performance, establish appropriate credit limits and execute collection strategies where required * Prepare high‑quality credit papers and risk assessments for approvals above authority * Negotiate and prepare credit documentation using Deere templates or legal agreements * Identify opportunities to support new and existing business growth * Contribute to credit process improvement, including the use of digital and automation tools * Support, coach and mentor less‑experienced team members * Prepare reports and insights on portfolio performance and risk trends ## What We’re Looking For Must Have * A foundation in commercial credit, financial analysis or risk assessment, with exposure to manual credit underwriting and the ability to apply judgement beyond automated scorecards * Ability to analyse financial information with sound judgement, attention to detail and risk awareness * Clear and professional communication skills and work constructively with stakeholders and the team * Self‑motivated and accountable, comfortable managing priorities independently while contributing to a team * An agile and adaptable mindset, open to change and evolving ways of working * Genuine willingness to learn and develop, including adapting to new tools, systems and automation over time * Strong integrity, resilience and commitment, aligned to John Deere’s values Nice to Have * Experience in commercial credit, banking, finance or related financial services * Strong exposure to manual underwriting of medium or complex credit structures * Qualification in Accounting, Finance, Commerce or a related discipline * Interest in process improvement, digitisation or AI‑enabled credit solutions Education / Experience Ideally hold a degree or equivalent qualification in Accounting, Finance or a related discipline, or be able to demonstrate equivalent practical experience Why Join Us? At John Deere Financial, you’re empowered to build a career with genuine choice and support. You’ll be encouraged to think differently, challenge established ways of working and use modern tools and technology to deliver meaningful outcomes. We’re a global organisation that genuinely values its people. You’ll join a supportive, inclusive culture where wellbeing, flexibility and professional growth are taken seriously — not just talked about. What do we offer: * A friendly, inclusive workplace where wellbeing is a real priority * Mature and flexible working arrangements that support true work–life balance * Ongoing professional development opportunities, including higher education, training and professional memberships * 15% superannuation with the John Deere Mercer Super Plan * 16 weeks paid parental leave, annual leave loading, purchase leave options and paid community leave * Free on site parking and a range of health, safety and wellbeing programs * Regular social activities and opportunities to connect across the business We are committed to fostering a workplace where people feel included, valued and supported. We welcome applications from all backgrounds and believe that diversity of thought, experience and perspective helps us perform at our best — as individuals, as teams and as a business. We strive for a workforce that is as diverse, talented and passionate as the communities we serve. We are committed to creating an inclusive environment where everyone feels valued and supported. John Deere Australia is proud to be recognised by Diversity Council Australia as an Inclusive Employer for three consecutive years (2021–2024) and to partner with WORK180, supporting women in the workforce. Please click the 'APPLY' button now and send through your resume and cover letter detailing your previous relevant experience and why you are the perfect candidate for our team. Note: Appropriate work authorisations are required in this country prior to application. The information contained herein is not intended to be an exhaustive list of all responsibilities and qualifications required of individuals performing the job. The qualifications detailed in this job description are not considered the minimum requirements necessary to perform the job, but rather as guidelines.