Senior Credit Analyst (Sydney)

Prospa; Sydney; On-site; AUD 110,000 - 165,000; Full time

Benefits offered by this job

Growth opportunities

Wellbeing programs

Flexible working

Parental leave

Job summary

Prospa, a Sydney-based fintech enabling small business growth, is seeking a Senior Credit Analyst to assess lending opportunities and help customers access capital.

You will underwrite commercial loan applications, analyze financial statements, and present credit recommendations to the Credit Committee, driving value with strong commercial judgement.

Qualifications

• 3–5 years underwriting or credit analyst experience.
• Degree in finance, accounting or related field preferred.
• Experience with commercial lending and financial documents.

Responsibilities

• Coordinating underwriting of commercial loan applications.
• Analyzing bank statements and financial statements in detail.
• Presenting deals to Credit Committee with recommendations.
• Preparing clear credit papers for each application.

Skills

Credit risk

Financial analysis

Underwriting

Commercial judgement

Attention to detail

Stakeholder communication

Education

Bachelor's in finance/accounting

Tools

DLA (Delegated Lending Authority)

ASIC searches

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 accuracyAbility to interact professionally with management, sales, and business owners
• Experience in a high-pressured environment working to deadlines

Location: Sydney

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.