COMMERCIAL CREDIT ANALYST

Make smart decisions. Build trusted relationships. Grow your career with John Deere Financials! At John Deere Financial, every credit decision helps support customers, dealers and industries that help feed, fuel and build our world. We're looking for a Commercial Credit Analyst who combines strong accounting foundations with curiosity, sound judgement and a desire to build a successful career in commercial credit. This is an opportunity to join a supportive, high-performing team where you'll continue developing your financial analysis, commercial thinking and risk assessment skills while contributing to meaningful business outcomes. ## The Opportunity This role is ideal for someone early in their career who is looking to build on their accounting and credit experience in a commercial environment. You'll work alongside experienced credit professionals, assessing credit applications, analysing financial information and helping make informed lending decisions that balance customer needs with responsible risk management. We're looking for someone who enjoys learning, takes ownership of their work and is motivated to continuously develop their capability. While technical skills are important, your attitude, judgement and willingness to grow will be equally valued. What You'll Be Doing * Analyse financial statements, cash flow and supporting information to assess commercial credit applications. * Prepare and write detailed credit submissions and recommendations. * Evaluate risk and support sound lending decisions aligned to business objectives and credit policies. * Develop an understanding of customers, dealers and industry dynamics. * Monitor borrower performance and support ongoing portfolio management activities. * Assist with collections, credit limit reviews and risk mitigation strategies where required. * Build strong relationships with internal and external stakeholders. * Identify opportunities to improve processes and contribute to continuous improvement initiatives. * Continue developing your commercial judgement and credit expertise through coaching and on-the-job learning. ## What We're Looking For Essential * Degree qualified in Accounting/ Finance or related discipline. * Knowledge of assessing and manually preparing commercial credit applications, credit submissions or credit recommendations. * Strong analytical skills and the ability to interpret financial statements. * Well-developed written communication skills. * High attention to detail and a commitment to quality outcomes. You'll thrive in this role if you: * Have a genuine interest in commercial credit and financial risk. * Take ownership and pride in your work. * Are naturally curious and enjoy understanding how businesses operate. * Have sound judgement and a thoughtful approach to decision-making. * Enjoy learning and continuously improving your capability. * Build positive relationships and work collaboratively with others. * Are resilient, adaptable and comfortable working in a dynamic environment. * Demonstrate integrity and professionalism in everything you do. Desirable * Exposure to commercial lending, banking, equipment finance, agribusiness or financial services. * Experience working with customers or stakeholders. * Interest in process improvement, automation or emerging technologies. Why Join John Deere Financial? This is more than a credit role. It's an opportunity to build a long-term career with a global organisation that invests in its people and values continuous learning and development. You'll gain hands-on experience, exposure to complex commercial lending decisions and the support of a knowledgeable team committed to helping you succeed. If you're someone who enjoys analysing information, solving problems, making sound decisions and growing your career, we'd love to hear from you. Applications for this position will close at close of business 8 Nov 2026 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.