Senior Credit Analyst

<div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">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!<br><br></div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">Great businesses need funding to back their ambition. That's where you come in.<br><br></div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">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.</div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">&nbsp;</div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol"><strong>Why You'll Love This Role<br><br></strong></div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">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.</div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">&nbsp;</div> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol"><strong>What You'll Be Doing</strong></div> <ul> <li>Coordinating the underwriting of commercial loan applications.</li> <li>Conducting bank statement analysis and financial statement analysis.</li> <li>Providing in-depth detailed analysis of financial statements, industry risk, and credit risk.</li> <li>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.</li> <li>Preparing clear, thorough and informative credit papers for each application.</li> </ul> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol"><strong>What You'll Bring</strong></div> <ul> <li>Minimum 3 to 5 years underwriting / Credit analyst experience required</li> <li>Bachelor’s degree in finance, accounting, or related field desirable but not necessary</li> <li>Previously held a DLA (delegated lending authority)</li> <li>Experience in commercial lending</li> <li>Experience with business financial documents such as Profit &amp; Loss, Balance Sheets, AR/RP</li> <li>Strong credit risk acumen and commercial judgement</li> <li>Experience with property secured lending is advantageous</li> <li>Familiarity with personal and company credit reports, ASIC searches, and other various background information</li> <li>Strong analytical and creative problem-solving skills</li> <li>Highly organised and ability to follow processes</li> <li>Attention to detail and accuracy</li> <li>Ability to interact professionally with management, sales, and business owners</li> <li>Experience in a high-pressured environment working to deadlines</li> </ul> <div class="paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol">Don’t let a confidence gap get in the way of submitting your application.</div> <h4 class="wp-block-heading">Don't let a confidence gap get in the way of submitting your application.</h4> <h4 class="wp-block-heading">What we offer:</h4> <p>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:</p> <ul class="wp-block-list"> <li><strong>Growth</strong>: There's something for everyone including learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.</li> <li><strong>Wellbeing</strong>: Think fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional "Me Days" and access to holistic EAP coaching.</li> <li><strong>Lifestyle</strong>: 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.</li> <li><strong>Impact</strong>: 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.</li> </ul> <h4 class="wp-block-heading">Why Prospa?</h4> <p>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.</p> <p>Don't just take our word for it, check out <a href="https://www.canva.com/design/DAFVWLf-6HY/gkJWX100FultHNWIwaaT2A/view?utm_content=DAFVWLf-6HY&amp;utm_campaign=designshare&amp;utm_medium=link2&amp;utm_source=uniquelinks&amp;utlId=GVjPXtnOQw" target="_blank"><strong>Prospa’s culture code</strong></a> to see it for yourself.</p> <p>#LI-MK1</p>