Job descriptionReq 8166459
At Prospa, we exist to unleash the potential of small business. We are building the future of small business and simplifying cashflow by building a leading platform that helps customers make payments, fund growth and reduce admin. Join us!
Great businesses need funding to back their ambition. That's where you come in.
As a Senior Credit Analyst at Prospa, you'll help small business owners access the capital they need to grow, hire, invest and keep moving forward. You'll combine strong commercial judgement with a customer-first mindset to assess lending opportunities, solve complex challenges and make decisions that create value for both our customers and the business.
Why You'll Love This Role
As a Senior Credit Analyst you'll be trusted to make high-impact decisions that directly support thousands of small businesses across Australia and New Zealand. Working in a collaborative, high-performing team, you'll gain exposure to a broad range of industries and lending scenarios while continuing to sharpen your commercial, credit and risk expertise. If you're looking for a role where you can take ownership, influence outcomes and grow your career, this is it.
What You'll Be Doing
- Coordinating the underwriting of commercial loan applications.
- Conducting bank statement analysis and financial statement analysis.
- Providing in-depth detailed analysis of financial statements, industry risk, and credit risk.
- Presenting deals to Credit Committee (i.e Executives, Credit Risk, Finance etc) with a comprehensive understanding of the risk and associated mitigants in each transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions.
- Preparing clear, thorough and informative credit papers for each application.
What You'll Bring
- Minimum 3 to 5 years underwriting / Credit analyst experience required
- Bachelor’s degree in finance, accounting, or related field desirable but not necessary
- Previously held a DLA (delegated lending authority)
- Experience in commercial lending
- Experience with business financial documents such as Profit & Loss, Balance Sheets, AR/RP
- Strong credit risk acumen and commercial judgement
- Experience with property secured lending is advantageous
- Familiarity with personal and company credit reports, ASIC searches, and other various background information
- Strong analytical and creative problem-solving skills
- Highly organised and ability to follow processes
- Attention to detail and accuracy
- Ability to interact professionally with management, sales, and business owners
- Experience in a high-pressured environment working to deadlines
Don’t let a confidence gap get in the way of submitting your application.
Don't let a confidence gap get in the way of submitting your application.
What we offer:
As a busy grow getter, our benefits are here to help you be unstoppable in your mission. Whether it's a lofty career goal, investing in your family, saving the planet or simply feeling fulfilled:
- Growth: There's something for everyone including learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.
- Wellbeing: Think fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional "Me Days" and access to holistic EAP coaching.
- Lifestyle: Find your fit with flexible working options, top notch office facilities and diverse remote/ travel work options. You can also purchase additional leave and take up to 18 weeks paid parental leave.
- Impact: Join a business that cares and is recertified as carbon neutral. And you can tap into volunteer days, our partnership with Kiva and join a range of employee resource groups.
Why Prospa?
We're proud to be a certified Great Place to Work and recognised as a Best Workplace for Women, Best Workplace in Technology, and Best Workplace in Australia. We embrace diversity in people and ideas, fostering a collaborative, inclusive, and respectful environment where we celebrate who you naturally are.
Don't just take our word for it, check out Prospa’s culture code to see it for yourself.