Credit Analyst

Moula; City of Melbourne; On-site; AUD 90,000 - 120,000; Full time

Benefits offered by this job

Gym subsidies

Free counselling

Health checks

Massages

Private health

Monthly lunches

End-of-year parties

Job summary

Moula is a leading Australian non-bank lender and part of the Liberty Group. We are looking for a Credit Analyst to assess business lending applications, make informed credit decisions, and support customers and partners.

You will work in a collaborative team, balancing risk with customer outcomes and identifying opportunities beyond standard applications. The role involves close collaboration with brokers and internal stakeholders, with a strong emphasis on compliance and continuous

Qualifications

• Experience in credit analysis, lending, underwriting or a related financial services environment.
• Strong financial analysis and decision-making skills.
• Excellent communication skills and confidence explaining credit decisions.

Responsibilities

• Assess business lending applications from submission through to decision.
• Analyse financial and business information to evaluate creditworthiness.
• Apply lending policies, credit criteria and regulatory requirements.
• Identify creative lending solutions while maintaining sound risk judgement.
• Communicate decisions and rationale to internal stakeholders and partners.
• Contribute to a culture of quality, compliance and continuous improvement.
• Build strong relationships across the business and with external partners.

Skills

Credit analysis

Lending

Underwriting

Financial services

Analytical thinking

Job description

Moula is part of the Liberty Group, one of Australia and New Zealand's leading non-bank lenders, committed to helping individuals and businesses get financial. While Liberty has been helping customers achieve their goals for more than 25 years, Moula was created with a simple mission: to make funding faster, simpler and more accessible for Australia's small businesses.

We are a collaborative and vibrant community, driven by our core values. Our vision of leading the finance sector with innovative thinking is guided by FLAIR, our five key principles of being Fair, Learning, Accountable, Invested, and Resourceful. These values shape our perspective, interactions with customers, and relationships with one another.

At Liberty, we’re proud to be setting the benchmark for great workplaces. Recently recognised as a 2026 5 Star HRD Employer of Choice, 2025 Employer of Choice at the Australian Business Awards, and newly named a 2026 Financial Review BOSS Best Places to Work (500+ employees), our people‑first culture is more than talk, it’s award‑winning. If you’re looking to do meaningful work, grow your career, and be part of a workplace that truly backs its people, you’ll feel right at home at Liberty.

The Opportunity

As a Credit Analyst, you'll play a key role in assessing business lending applications, making informed credit decisions, and helping deliver positive outcomes for our customers and partners.

This is an opportunity to join a collaborative and supportive credit team where your judgement, commercial thinking and problem-solving skills will be valued. You'll manage the end-to-end assessment of business loan applications, balancing risk considerations with customer outcomes and looking beyond the standard application to identify lending opportunities where appropriate.

Working closely with internal stakeholders, brokers and business partners, you'll communicate lending decisions clearly and confidently while contributing to a strong risk and compliance culture. You'll also be part of an organisation that embraces continuous learning, innovation and agile ways of working.

What you'll be doing:

• Assess business lending applications from submission through to decision.
• Analyse financial and business information to evaluate creditworthiness.
• Apply lending policies, credit criteria and regulatory requirements.
• Identify creative lending solutions while maintaining sound risk judgement.
• Communicate decisions and rationale to internal stakeholders and partners.
• Contribute to a culture of quality, compliance and continuous improvement.
• Build strong relationships across the business and with external partners.

Enough about us, lets talk about you

We're looking for someone who combines strong analytical capability with commercial thinking and a customer-focused mindset.

You'll ideally bring:

• Experience in credit analysis, lending, underwriting or a related financial services environment.
• Strong financial analysis and decision-making skills.
• The ability to assess risk while identifying opportunities to support customers.
• Excellent communication skills and confidence explaining credit decisions.
• A high level of attention to detail and commitment to quality outcomes.
• Strong problem-solving skills and the ability to think outside the box.
• A collaborative approach and a desire to contribute to a positive team culture.
• An interest in continuous learning and professional development.

Why join Moula & LFG?

At Moula, we're passionate about helping Australian small businesses succeed by making funding fast, simple and accessible.

At Liberty, we take pride in fostering a workplace where everyone can bring their true authentic selves. Our free-thinking, diverse and inclusive culture is something we celebrate daily. We are deeply committed to gender equality, disability support, LGBTQIA+ inclusion, mental health awareness, and religious and cultural diversity. As we help people achieve financial stability, we also honor the contributions of Indigenous Australians, Torres Strait Islanders, and other cultural minority communities.

Our dedication to diversity and inclusion extends throughout our workforce and community initiatives. We’re proud to be recognized by Work180 and certified as a B Corporation.

We believe that beyond competitive financial rewards, it's the thoughtful, small touches that truly make a difference in supporting our team's needs and well-being, we provide access to a large number of great benefits such as:

• Wellness perks including, gym subsidies, free counselling, flu vaccinations, health-checks, massages and private health
• We are social with monthly themed lunches and events, EOY and EOFY parties, and corporate casual dress
• Community groups such as our Internal Pride Network (LGBTQIA+), Women in Leadership, Green Stars (environmental enthusiasts!) and more
• An opportunity to give back to the community with our Lend-A-Hand initiatives
• Fantastic growth and career progression opportunities with access to online development courses
• There's more?! Yes we have coffee, daily fruit, lunch and constant snacks available anytime!

Liberty is an equal opportunity employer. We encourage applications from all people, regardless of race, gender, religion, age, sexual orientation, gender identity or disability.

Only shortlisted candidates will be contacted.