AU Business Lending Underwriter / Credit Analyst | WFH | Day Shift

Emapta; Metro Manila; A distancia; PHP 3.605.000 - 4.957.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Permanent WFH arrangement

HMO with dependent upon regularization

Fixed weekends off

Salary advance program

Upskilling through Emapta Academy

Gym access to Ortigas/Makati offices

Lifestyle perks

Employee referral incentives

20 annual leaves (including 5 cash-­­>

Descripción de la vacante

Join Emapta as an AU Business Lending Underwriter / Credit Analyst to assess SME financing opportunities through cash flow analysis and responsible lending. Work from home with Australian business hours, collaborating with international teams and advancing your career in a remote-first environment.

Ideal candidates have 3–5 years in Australian SME underwriting, strong Excel skills, and proficiency with bank statement analysis.

Formación

• 3 to 5 years of direct experience in underwriting Australian SME or commercial loans
• Experience with an Australian non-bank lender, fintech lender, commercial finance provider, or business lending company
• Strong understanding of Australian business bank statements, cash-flow-based lending, debt servicing, loan affordability, and commercial credit risk
• Experience assessing unsecured business loans, short-term working capital facilities, or merchant cash advances
• Ability to identify existing lender repayments, loan stacking, dishonours, irregular income, and signs of financial distress
• Advanced Microsoft Excel skills and strong numerical accuracy
• Excellent written and verbal English communication skills
• Ability to prepare clear, professional, and evidence-based credit assessments and recommendations
• Ability to work independently, challenge assumptions, and exercise sound commercial credit judgment
• Willingness to use AI-assisted underwriting tools while independently verifying their findings
• Availability to work Australian business hours

Responsabilidades

• Review and assess Australian SME finance applications including new loans, renewals, refinances, and second-position loans
• Analyze business bank statements and review other financial information
• Verify genuine revenue by distinguishing receipts from transfers and non-trading credits
• Evaluate cash flow, account balances, negative-balance days, dishonours, repayment history and financial stability
• Identify existing loans, merchant cash advances, and other financial commitments
• Assess debt servicing capacity and affordability of additional loan repayments
• Investigate unusual bank activity, undisclosed loans, loan stacking, defaults, and risk indicators
• Review credit reports, financial statements and documentation
• Evaluate risks across construction, hospitality, transport, retail and services sectors
• Recommend loan amounts, repayment terms and structures based on verified performance
• Prepare clear credit assessments and risk recommendations for management
• Collaborate with brokers and teams to gather missing information and resolve inquiries
• Review AI-assisted reports, verify calculations and findings for accuracy
• Maintain records of decisions and underwriting rationale
• Contribute to process improvements in underwriting controls

Conocimientos

Advanced Microsoft Excel

English communication

Credit analysis

Independent work

AI-assisted underwriting

Herramientas

illion BankStatements

FinPower

Descripción del empleo

Underwrite Australia's SME Growth With Expert Credit Judgment

Put your credit expertise behind Australia's next business success story! Join Emapta as an AU Business Lending Underwriter / Credit Analyst and evaluate SME financing opportunities through cash flow analysis, responsible lending, and commercial risk assessment. Support Australian entrepreneurs while enjoying permanent remote flexibility, international collaboration, continuous learning, and long-term career growth designed for top 1% talent.

Job Overview

• Employment Type: Full-time


• Shift: Day Shift, Weekends Off


• Work Setup: Work From Home

Exciting Perks Await!

• Competitive Salary Package


• Day Shift Schedule


• Permanent WFH arrangement


• HMO coverage with free dependent upon regularization


• Fixed weekends off


• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)


• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)


• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!


• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)


• Unlimited opportunities for employee referral incentives across the organization


• Standard government and Emapta benefits


• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)


• Fun engagement activities for employees


• Mentorship and exposure to global leaders and teams


• Career growth opportunities


• Diverse and supportive work environment

The Qualifications We Seek

Essential Requirements

• 3 to 5 years of direct experience in underwriting Australian SME or commercial business loans


• Previous experience with an Australian non-bank lender, fintech lender, commercial finance provider, or business lending company


• Strong understanding of Australian business bank statements, cash-flow-based lending, debt servicing, loan affordability, and commercial credit risk


• Experience assessing unsecured business loans, short-term working capital facilities, or merchant cash advances


• Ability to identify existing lender repayments, loan stacking, dishonours, irregular income, and signs of financial distress


• Experience with illion BankStatements or comparable bank statement analysis platforms


• Advanced Microsoft Excel skills and strong numerical accuracy


• Excellent written and verbal English communication skills


• Ability to prepare clear, professional, and evidence-based credit assessments and recommendations


• Ability to work independently, challenge assumptions, and exercise sound commercial credit judgment


• Willingness to use AI-assisted underwriting tools while independently verifying their findings


• Availability to work Australian business hours

Highly Desirable

• Previous underwriting experience with Australian alternative business lenders or merchant cash advance providers


• Experience evaluating second- and third-position business financing


• Familiarity with Australian business credit reporting platforms, including Equifax, illion, and CreditorWatch


• Experience assessing construction businesses, subcontractors, and other cash-flow-intensive industries


• Understanding of Australian business structures, including Pty Ltd companies, trusts, and sole traders


• Experience reviewing Australian Taxation Office (ATO) obligations, Business Activity Statements (BAS), aged receivables, and business financial statements


• Familiarity with business loan management systems such as FinPower

What We're Looking For

• Strong commercial awareness and ability to assess a business's financial health beyond reported turnover


• Ability to recommend loan approvals, reduced advances, additional verification, or application declines based on sound credit analysis


• Ability to provide clear, evidence-based explanations for underwriting recommendations and credit decisions


• Strong commitment to accuracy, integrity, attention to detail, and responsible lending practices

Your Daily Tasks

• Review and assess Australian SME business finance applications, including new loans, renewals, refinances, and second-position loans


• Analyze business bank statements through platforms such as illion BankStatements and review other relevant financial information


• Verify genuine business revenue by distinguishing customer receipts from internal transfers, loan proceeds, and other non-trading credits


• Evaluate cash flow, account balances, negative-balance days, dishonours, repayment history, and overall financial stability


• Identify existing business loans, merchant cash advances, equipment finance, overdrafts, and other financial commitments


• Assess debt servicing capacity and determine whether businesses can reasonably afford additional loan repayments


• Investigate unusual bank account activity, undisclosed loans, loan stacking, defaults, and other credit risk indicators


• Review business credit reports, financial statements, and relevant documentation


• Evaluate industry-specific risks across the Australian construction, hospitality, transport, retail, and service sectors


• Recommend appropriate loan amounts, repayment terms, and finance structures based on verified financial performance


• Prepare clear, detailed credit assessments and evidence-based risk recommendations for management approval


• Collaborate with brokers and internal team members to obtain outstanding information and resolve credit assessment inquiries


• Review AI-assisted underwriting reports, independently verify calculations and findings, and identify errors or omissions


• Maintain accurate records of credit decisions, relevant evidence, and underwriting rationale


• Contribute to improvements in underwriting processes, risk controls, and credit assessment procedures

Working With AI

• Use AI-assisted underwriting tools to analyze financial data, identify credit risks, and prepare preliminary credit assessments


• Independently verify AI-generated findings, calculations, and financial information to ensure accuracy and reliability


• Investigate discrepancies, identify errors or omissions, and apply sound commercial judgment to credit assessments


• Prepare reliable, evidence-based credit recommendations based on verified financial information and responsible lending principles


• Maintain independent accountability for underwriting decisions and use AI solely as a support tool, not as a replacement for professional credit judgment

About the Client

Our client is an Australian non-bank business finance provider specializing in flexible funding solutions for small and medium-sized enterprises. They offer working capital and business finance options designed to help companies manage cash flow, address financial challenges, and pursue growth opportunities. Through streamlined applications, cash-flow-based assessments, and practical lending solutions, they support businesses across construction, hospitality, transport, retail, and other industries. Their approach combines financial expertise, responsible credit decisions, and innovative technology to help Australian enterprises access essential business capital.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2026 for the fifth year in a row and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.