COMMERCIAL CREDIT ANALYST

Integrity. Quality. Humanity. Commitment. Innovation.

These aren’t just our values - they guide how we work, think and show up every day.

At John Deere Financial, we empower people to create smart, practical solutions that make a real difference. We think differently, act with purpose, and give back to the communities we serve. It’s what makes us proud of what we do — and who we do it with.

Position: COMMERCIAL CREDIT ANALYST

Function: Financial Services (CA)

Job Grade: 06

Hiring Manager: Mark Saunders

## The Opportunity

If you are early in your career, or a recent Accounting graduate who has already gained some practical experience in credit, finance, banking or underwriting, this is a strong opportunity to keep building your career in credit risk with John Deere Financial.

We are looking for someone with strong accounting fundamentals, sound judgement and genuine interest in developing in commercial credit risk. Recent exposure to credit underwriting is ideal, particularly in a commercial environment, but it is not a deal breaker if your experience is broader and you are ready to learn.

You will develop hands-on experience assessing credit applications, analysing financial information and supporting practical risk-based decisions, while learning from an experienced and supportive team.

## What You’ll Be Doing

• Assess and support the underwriting of credit applications using financial analysis, policy and sound judgement
• Build your understanding of dealer and customer relationships within a commercial finance environment
• Monitor borrower performance, establish appropriate credit limits and execute collection strategies where required
• Prepare clear credit summaries, risk assessments and recommendations for review and approval
• Negotiate and prepare credit documentation using Deere templates or legal agreements
• Identify opportunities to support new and existing business growth
• Contribute to credit process improvement, including the use of digital and automation tools
• Learn from experienced credit professionals and progressively build your technical capability

What We’re Looking For

Must Have

• Completed degree in Accounting
• Some recent practical experience in credit underwriting, finance, banking or risk assessment; commercial credit exposure is ideal but not essential
• Ability to interpret financial information with sound judgement, attention to detail and risk awareness
• Self‑motivated and accountable, comfortable managing priorities independently while contributing to a team
• An agile and adaptable mindset, open to change and evolving ways of working
• Genuine willingness to learn and develop, including adapting to new tools, systems and automation over time
• Strong integrity, resilience and commitment, aligned to John Deere’s values

Nice to Have

• Exposure to commercial credit, agribusiness, equipment finance or related financial services
• Interest in process improvement, digitisation or AI‑enabled credit solutions

Education / Experience

A completed degree in Accounting is required for this role.

Why Join Us?

At John Deere Financial, you’re empowered to build a career with genuine choice and support. You’ll be encouraged to think differently, challenge established ways of working and use modern tools and technology to deliver meaningful outcomes.

We’re a global organisation that genuinely values its people. You’ll join a supportive, inclusive culture where wellbeing, flexibility and professional growth are taken seriously — not just talked about.

What do we offer:

• A friendly, inclusive workplace where wellbeing is a real priority
• Mature and flexible working arrangements that support true work–life balance
• Ongoing professional development opportunities, including higher education, training and professional memberships
• 15% superannuation with the John Deere Mercer Super Plan
• 16 weeks paid parental leave, annual leave loading, purchase leave options and paid community leave
• Free on‑site parking and a range of health, safety and wellbeing programs
• Regular social activities and opportunities to connect across the business

We are committed to fostering a workplace where people feel included, valued and supported.

Applications for this position will close at close of business 18 September 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.