Senior Credit Analyst

prospa; Sydney; Hybrid; AUD 120,000 - 170,000; Full time

Benefits offered by this job

Flexible working options

Remote/travel work options

Up to 18 weeks paid parental leave

Learning & development programs

Job summary

Prospa is seeking a Senior Credit Analyst to help small business owners access capital and grow. You will coordinate underwriting, analyze financial statements, and present credit decisions with clear recommendations to senior leadership.

The role offers exposure to diverse industries across Australia and New Zealand in a collaborative, high-performing team. You will leverage strong analytical and risk-management skills in a fast-paced environment, with a focus on customer-first lending

Qualifications

• 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 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.

Responsibilities

• 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 with a comprehensive understanding of risk and mitigants and offering strong recommendations.
• Preparing clear, thorough and informative credit papers for each application.

Skills

Credit underwriting

Credit analysis

Financial analysis

Risk assessment

Analytical thinking

Attention to detail

Stakeholder communication

Education

Bachelor's degree in finance or accounting

Job description

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

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.