Credit Analyst – Xceda Finance | New Zealand

Join a licensed non-bank deposit taker and play a key role in assessing lending risk for mortgages and property finance.

What You'll Do:

Assess residential and investment mortgage applications

Analyse income, financial statements, assets, and liabilities

Review credit history and borrower repayment behaviour

Evaluate property security and loan-to-value (LVR) ratios

Prepare detailed credit assessment reports and recommendations

Work closely with lending managers and business development teams

Identify and escalate high-risk applications

Support credit decisions in line with internal policies and RBNZ/NBDT regulations

Ensure compliance with AML and lending requirements

What We're Looking For:

Experience in banking, lending, finance, or credit analysis

Strong understanding of mortgage lending and financial assessment

Ability to interpret financial statements (P&L, balance sheets)

Strong attention to detail and risk awareness

Clear written communication and reporting skills

Knowledge of NZ lending policies is an advantage

Why Join Xceda Finance?

Work in a regulated, specialist lending environment

Exposure to property and investment lending

Strong focus on risk, analytics, and decision-making

Opportunity to build a career in credit and finance

Apply now and help shape smart, responsible lending decisions.

Pay: From $8,000.00 per month

Benefits:

• Child care assistance
• Employee mentoring program
• Free food
• Health insurance
• Life insurance
• Paid volunteer leave
• Professional development assistance
• Referral program
• Visa sponsorship
• Vision insurance

Work Location: In person