Business Lending Specialist

This role is pivotal in managing business lending activities and assessing credit risk exposure (individual and portfolio level) across MTF. You'll analyse borrower profiles, manage a pipeline of lending applications, and provide insights and recommendations to the Senior Leadership Team.

As an experienced credit professional, you'll apply strong analytical skills to drive sound credit decisions, ensure compliance, and support portfolio risk management. You'll also engage with stakeholders and act as a collaborative champion for the business lending product.

Just some of the things you're responsible for:

• Business Lending

• Manage and support the growth of business lending, ensuring alignment with MTF credit policy, processes, strategic objectives and risk appetite. This includes active management and assessment of a business lending pipeline in collaboration with MTF originators and key stakeholders.

• Evaluate and structure complex lending proposals, providing guidance on appropriate terms, covenants and security requirements within agreed service level agreements, in collaboration with MTF originators and key stakeholders.

• Analysing financial statements, credit reports, and other relevant data to make informed lending decisions within agreed service levels.

• Facilities and Credit Risk Management

• Support and mentor Credit Analysts by leading workshops for facility reviews, National Office level loan applications, and Credit Committee work items, ensuring the team are aligned and deliver outcomes as agreed.

• Prepare facility review submissions and board level recommendation papers in line with MTF credit policy, delegated authorities and credit risk appetite.
• Undertake thorough credit analysis across market segments to determine our risk profile at discrete borrower level and at portfolio level.
• Review and analyse MTFs credit risk profile and portfolio performance, including key credit controls, portfolio asset quality, concentrations, recourse performance, bad debt, facility level and associated risk estimates and make recommendations

• Working with cross-functional teams (legal, franchises) to identify and address any potential issues or concerns related to credit risk.

• Portfolio Monitoring & Reporting (Board Reporting)

• Continuously monitor the health and performance of the credit portfolio, identifying early warning signals and potential default trends, in collaboration with Credit Analyst team.
• Contribute to the generation of regular credit portfolio reports for management, highlighting concentrations, delinquency trends, and exposure limits.

You'll need to have:

• Demonstrated experience in commercial/business lending within the financial services industry (minimum 5 years)
• Strong financial analysis and credit assessment experience to evaluate business lending applications (profit and loss statements, balance sheet and tax return analysis).
• Strong relationship-building skills to foster trust and provide ongoing support to MTF Originators
• Effective communicator with active listening skills, crucial for explaining loan details clearly and understanding the needs of MTF Originators, customers and key internal stakeholders.
• Strong analytical and problem-solving capability
• Tenacious and resilient, with the ability to remain calm when challenged

What you'll receive in return:

• 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.
• Receive a competitive remuneration package, including fully funded medical insurance, performance incentives, flexible leave options, and other great benefits.
• Be part of a leadership team that truly supports one another — collaboration at this level is non-negotiable.

About MTF

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.

Sound like you?

Candidates should apply online an updated CV and cover letter; however, a full job description is available upon request from our People and Capability team ).