Credit Analyst - Dunedin

About us:

At MTF, our mission is to help New Zealanders get ahead by making lending about people again. We’re New Zealand’s money experts with locals helping locals all over the motu, powered by a world-class funding system.

100% New Zealand owned and operated since 1970, MTF provides personal and business loans to Kiwis old and new through our nationwide network of over 200 franchised offices, vehicle dealers and business partners. We’ve grown to be one of New Zealand’s iconic household-name brands, with business assets of more than $1B.

There is a strong sense of pride in the work we do. We have a fervent love for our Dunedin heritage but we’re a national business, and a team, who reach communities and customers right across New Zealand.

When you join MTF, you join a dynamic, innovative and highly trusted team. Whether you join our National Office, or one of our franchises, you’re joining team who share a deep passion for the communities we serve and doing the best for our customers, while also having an unwavering commitment to help our own people learn, grow, and thrive.

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About the role:

The Credit Analyst ensures MTF Finance, and its shareholders are protected from financial loss through the identification and management of credit risk, in alignment with mitigation strategies and credit policy. As part of the credit team, you will provide solutions and support for MTF Finance to minimise exposure to bad debt and credit risk by undertaking analysis and interpretation of data and insights to contribute towards ongoing development of credit risk management strategies, policies, and practices. This role undertakes facility applications and reviews, monitoring portfolio and facility metrics, and lending approvals are key activities of the Credit Analyst role.

Just some of the things you’re responsible for:

Credit risk portfolio data analysis, insights, and reporting

Undertake data preparation, analysis, and interpretation of data from a variety of MTF Finance, partner, and external sources.
Communicate insights to stakeholders via data visualisations, reports.
Undertake regular credit watch and credit risk indicator analysis, sharing insights with the team for action.
Undertake and report on analytical work to support credit policy development and credit risk management initiatives.
Preparing discussion papers on industry trends.

Originator facility credit risk management

Approve credit applications within delegated credit authority.
Completion of originator facility reviews and application assessments, including gathering and analysing information and presenting information as required at Credit Committee level.
Communication with sales team, originators and 3rd parties regarding facility requirements, actions, and conditions.
Monitor originator credit watch.
Monitor originator recourse obligations, escalating as required, including approval of DTP extensions.

Lending – business lending and credit approvals

Approval of lending transaction exceptions and credit lending approval requests within delegated credit authority.
Collaboration and communication with customers, originators and third parties in relation to credit loan approvals.
Provide expertise and support for originator lending assessments.

You’ll need to have:

The ability to build effective relationships and maintain composure under pressure.
Strong analytical, investigative, and problem-solving capability – able to make quick and sound decisions about lending approvals.
Highly organised, efficient, and self-managed in order to meet deadlines.
An eye for detail and a head for numbers, with commitment to quality and accuracy.
High levels of integrity and privacy, able to maintain strict confidentiality.
Strong interpersonal and communications skills (verbal and written) – able to prepare papers for review by Management, Credit Committee and Board.
Competent with MS Word, Excel & Outlook, PowerPoint and experience in handling Power BI, SQL, Tableau

What you’ll receive in return:

We’re a New Zealand business on a mission to be New Zealand’s favourite finance company, and we’re proudly based in Dunedin.
Be part of a proud New Zealand business on a mission to become the country’s favourite finance company, with strong roots in Dunedin.
Enjoy a culture that celebrates success – regular office celebrations, shouts and our incentive schemes reward both individual achievements and business outcomes.
Join a dynamic, collaborative team in a modern, central office where people genuinely enjoy working together and take pride in being MTFers.
Work in a supportive, vibrant environment where teamwork, accountability, and delivering on commitments come first.
Take advantage of ongoing development opportunities, coaching, and mentorship to help you grow your skills and career.
Receive a competitive remuneration package, including fully funded medical insurance, performance incentives, flexible leave options, and other great benefits.
Build your career in Dunedin and experience the best of the South, all while contributing to a nationally recognised, iconic business.
Be part of a leadership team that truly supports one another — collaboration at this level is non-negotiable.

Sound like you?

Candidates should apply online via Seek with an updated CV and cover letter; however, a full job description is available upon request from our People and Capability team ([email protected]).

Did you know?

Studies show women and people from diverse backgrounds may not apply for jobs if they don't tick every box on the job advertisement.

If you're keen on any role at MTF but feel like you're not a 100% match, don’t worry! We still want to see your unique spark, so go ahead and apply. We appreciate varied perspectives and believe every individual brings something special to our team. In a nutshell - we want you to work here because you’re you!

Our recruitment process is fair and inclusive and just like most things in life, a one-size-fits-all approach doesn’t fit most. We think that approach is 'meh' anyway. If you need any special arrangements or a little extra support during your journey with us, that’s okay - just let us know either in your application or when you’re chatting with one of our lovely People and Capability team members.

We can’t wait to hear from you.