# Senior Credit Analyst

**Company**: Prospa
**Location**: Sydney
**Experience**: senior
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/prospa/jobs/8166459?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_df9b09ae-ed8

## Description

At Prospa, we exist to unleash the potential of small business.

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.

**Responsibilities**

- 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 with a comprehensive understanding of the risk and associated mitigants in each transaction.

- Preparing clear, thorough and informative credit papers for each application.

**Requirements**

- 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

**What we offer**

- Growth: learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.

- Wellbeing: fitness initiatives, seasonal programs, additional "Me Days" and access to holistic EAP coaching.

- Lifestyle: flexible working options, top notch office facilities and diverse remote/ travel work options.

- Impact: Join a business that cares and is recertified as carbon neutral.

## Skills

### Required
- commercial lending
- credit risk analysis
- financial statement analysis
- bank statement analysis
- credit papers preparation
- risk assessment
- commercial judgement
- analytical skills
- problem-solving skills
- organisational skills
- attention to detail
- communication skills

### Nice to have
- property secured lending
- ASIC searches
- personal and company credit reports

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/prospa/jobs/8166459?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)