Senior Credit Analyst

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.