Credit Analyst

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.

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