Senior Credit Analyst — Remote & Growth-Focused

Prospa; Sydney; On-site; AUD 120,000 - 160,000; Full time

Benefits offered by this job

Growth programs

Wellbeing initiatives

Flexible working

Parental leave

Job summary

Prospa is seeking a Senior Credit Analyst in Sydney to lead underwriting of commercial loan opportunities and deliver rigorous analysis of financial statements and risk. You will present to Credit Committee and prepare comprehensive credit papers to inform decisions.

You’ll bring 3–5 years of underwriting or credit analysis experience, a relevant finance or accounting degree, and familiarity with delegated lending authority, ASIC checks, and commercial lending processes.

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 providing a strong recommendation to upper management.
• Preparing clear, thorough and informative credit papers for each application.

Skills

Underwriting experience

Credit analysis

Financial statement analysis

Credit risk assessment

DLA authority

Commercial lending

Education

Finance degree

Accounting degree

Job description

Prospa is seeking a Senior Credit Analyst in Sydney to lead underwriting of commercial loan opportunities and deliver rigorous analysis of financial statements and risk. You will present to Credit Committee and prepare comprehensive credit papers to inform decisions.

You’ll bring 3–5 years of underwriting or credit analysis experience, a relevant finance or accounting degree, and familiarity with delegated lending authority, ASIC checks, and commercial lending processes.