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 Don’t let a confidence gap get in the way of submitting your application. Don't let a confidence gap get in the way of submitting your application. 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. #LI-MK1

Senior Credit Analyst

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