Role overview
Prospa is building a platform to help small businesses manage payments, secure funding, and streamline operations. As a Senior Credit Analyst, you will assess lending applications and help small business owners across Australia and New Zealand access capital for growth and expansion. Your role combines credit expertise with customer understanding to make decisions that benefit both borrowers and the business.
Key responsibilities
- Coordinate the underwriting process for commercial loan applications from initial submission through approval.
- Analyse bank statements and financial statements to evaluate borrower creditworthiness and repayment capacity.
- Conduct detailed assessment of financial data, industry-specific risk factors, and credit risk indicators for each application.
- Prepare comprehensive credit papers documenting your analysis and recommendations for each loan opportunity.
- Present loan proposals to Credit Committee, including senior executives and risk specialists, with clear articulation of risks, mitigants, and your recommended outcome.
- Provide strategic insights to management on credit decisions and market trends.
Requirements
- Minimum three to five years of experience in underwriting or credit analysis roles.
- Demonstrated experience with delegated lending authority (DLA).
- Background in commercial lending with proficiency in analysing business financial documents including profit and loss statements, balance sheets, and accounts receivable/receivable items.
- Strong credit risk acumen and sound commercial judgement when evaluating complex lending scenarios.
- Familiarity with personal and company credit reports, ASIC searches, and standard background verification processes.
- Proven analytical and problem-solving skills, with the ability to work methodically under pressure and meet tight deadlines.
- Excellent organisational skills, attention to detail, and ability to communicate professionally with management, sales teams, and business owners.
What makes this role worth considering
You will work within a collaborative, high-performing team while building expertise across diverse industries and lending scenarios. Prospa is a certified Great Place to Work recognised for inclusivity and employee wellbeing, offering flexible work arrangements, learning and development support, wellness programs, and up to 18 weeks of paid parental leave. The company is carbon neutral certified and provides volunteer opportunities and employee resource groups.
How to apply
Use the Apply button to view the official job posting and submit your application on Prospa's careers site.
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