Senior Credit Analyst

About Tractor
We exist to unlock possibilities for founders.
Tractor Ventures provides flexible financing alternatives for founders leading growing technology-enabled companies. We are the centre of gravity for non-venture backed tech founders in Australia and New Zealand. We do this by using our capital, our experience along with our partners and shareholders to assist founders to grow enduring companies. We love founders who take the time to get things right, look after their staff and customers, who blend ambition and caution well, and know exactly why they do what they do.
We’re not a VC, we’re a company that invests in founders out of our dedicated debt facility.
We are a small and mighty team of well-connected operators covering the full spectrum of business, each one of us able to share our experiences and perspectives with founders while also connecting them with the people they need to help their business grow. We love what we do and we get a real kick out of making an impact and helping founders unlock possibilities and build the companies they can be really proud of.
The Role
This is an exciting role within a new and exciting asset class that, at its core, focuses on determining the credit risk of technology companies, but at Tractor, it is so much more than that.
Some key aspects of this role are:

• You’ll get the opportunity to build relationships with founders across Australia and New Zealand, learning about their companies and how additional capital can support their growth and confidence.
• As an integral member of the Investment Committee, you will run a variety of quantitative & qualitative assessments for an under-served asset class, and use your knowledge and observations to contribute towards improving credit decisions.
• You’ll also have the privilege of contributing to building and improving our own credit risk platform - a piece of technology that is enabling every single part of Tractor to be more effective.

There is also the opportunity to grow and lead a small team and have a pathway towards a bigger role so if you have some experience in leadership or would like to take that step then we’d love to hear from you.
Responsibilities
Like any small company, we all roll our sleeves up to get things done. There will be a lot of variety in this role with responsibilities that include;

• Interpret, analyse and apply financial data into a financial model
• Implement quality credit decisions in accordance with the Board-approved risk appetite and credit policy
• Taking responsibility for the committed turnaround times on credit decisions
• Structuring non-standard complex deals to help our borrowers achieve their strategic goals such as (but not limited to) acquisition, merger, launch in a new geography
• Implementing learnings or insights from the portfolio to improve credit analysis and underwriting
• Prepare, present and defend a credit decision to the Investment Committee
• Contribute towards making the credit policy and credit infrastructure more robust
• Partnering with our Sales team to help improve key processes and make the customer experience better
• Partnering with the Product & Engineering teams in building the scalable credit decision model
• Maintain robust documentation of credit processes and decisions

Requirements
To really ace this role you will have;

• Solid and demonstrable knowledge of financials (P&L, Balance Sheet, Cash Flow Summary, AR, AP, Business Forecasts, Projections, etc.)
• A good understanding of any unsecured asset class in Australia / NZ.
• Must have been a DLA and owned the end-to-end credit decision
• Ability to analyse financial documents and derive insights and ratios to form a credit decision
• Good understanding of KYB, KYC and AML Compliance
• The commitment and ability to work in cross-functional collaborative team structures to facilitate scale and efficiencies
• Confident with both written and verbal communication and strong documentation skills

We have a set of values we want everyone on our team to be excited about and aligned with. They include;
Genuine Heart - Kindness is essential. We are respectful and we see the value in everyone's unique perspectives. We are generous and curious. There is no ego.
We Build Trust - We work hard to earn, build, and keep trust. We do what we say we’re going to do and we’ll do it together. We’re honest, we’re open and we have each other's backs.
Laugh Every Day - We bring the lols. We are passionate, positive, and enthusiastic. We love to celebrate one another's wins. We make time for fun and connecting with each other.
Benefits
Benefits of being a member of the Tractor team
This role attracts a base salary of $130k - $150k (+ Super) - depending on the level of experience.

• Eff Off Fridays! - We believe in quality, not quantity, therefore we have the option to take Fridays off - each and every week. At full pay.
• Work from Home (or anywhere) - Our team is spread across Australia and New Zealand, so no need to come into an office (unless you want to). We have access to co-working spaces in both Melbourne and Sydney.
• ESOP for all Trackies - You will be provided with an Employee Stock Option Plan. This means we can all share in the success of Tractor in the long term.