Senior Credit Analyst

2 days ago

Melbourne, Victoria, Australia Moula Full time $80,000 - $120,000 per year

About us

Moula was founded in 2013 to help hard-working business owners in Australia access the business finance they need to grow. We are a team of finance industry experts, dedicated to using technology to simplify small business finance.

About the position

Moula is seeking an experienced credit professional to join our team and contribute to delivering high-quality credit outcomes. In this role, you will use your understanding of business financials and cash flow, along with your underwriting expertise, to make sound credit and risk decisions. You will also play a key role in supporting internal teams and broker partners with clear, timely, and customer-focused service.

Key Responsibilities:

  • Manage the end-to-end credit assessment process for loan applications up to $500,000
  • Review funding applications in line with credit criteria, lending policies, and risk appetite
  • Apply sound judgement and consider alternative approaches to structuring credit solutions that suit individual circumstances
  • Ability to communicate credit decisions and supporting rationale clearly to internal teams
  • Ensure compliance with all regulatory and legislative requirements, as well as Moula's internal risk and compliance standards
  • Conduct underwriting in compliance with AML/KYC, the Privacy Act, and all relevant legislation governing business lending
  • Promote and contribute to a strong risk culture by reducing inconsistencies, preventing uninformed risk-taking, and ensuring accuracy in credit assessments

About you

  • Minimum 4 years experience in commercial credit, working with a range of business structures
  • Demonstrated experience in reviewing business bank statements and assessing cash flow–based lending
  • Current Delegated Lending Authority (DLA/CAL)
  • Ability to support and mentor junior members of the team, assisting with all areas of the underwriting process
  • Strong understanding of SME lending and business finance
  • Excellent communication skills with the ability to build and maintain strong relationships
  • High level of financial acumen, attention to detail, and follow-up
  • Commitment to professional development and continuous improvement
  • Self-motivated, proactive, and able to work effectively in a fast-paced, evolving environment

Reports to

  • Credit Team Lead

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Michael Page Full time

    OverviewJoin to apply for the Senior Credit Analyst (asset finance) role at Michael Page.3 days ago Be among the first 25 applicants.About Our ClientOur client is a well-established organisation operating within the industrial and manufacturing industry. This large organisation is known for its robust operations and focus on delivering innovative solutions...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Michael Page Full time

    OverviewJoin to apply for the Senior Credit Analyst (asset finance) role at Michael Page.3 days ago Be among the first 25 applicants.About Our ClientOur client is a well-established organisation operating within the industrial and manufacturing industry. This large organisation is known for its robust operations and focus on delivering innovative solutions...

  • Senior Credit Analyst

    13 hours ago

    Melbourne, Victoria, Australia Michael Page Full time $80,000 - $120,000 per year

    We are seeking a Senior Credit Analyst specialising in asset finance to join a thriving team for a well-know and constantly growing multinational business. This role offers a unique opportunity to assess and manage credit risks while supporting business growth in a dynamic environment.Client DetailsOur client is a well-established organisation operating...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Caterpillar Brazil Full time

    Senior Credit Analyst (Asset Finance) page is loaded## Senior Credit Analyst (Asset Finance)locations: Tullamarine, Victoriatime type: Full timeposted on: Posted Todayjob requisition id: R0000304583**Career Area:**Finance**Job Description:****Your Work Shapes the World at Caterpillar Inc.**When you join Caterpillar, you're joining a global team who...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Caterpillar Brazil Full time

    Senior Credit Analyst (Asset Finance) page is loaded## Senior Credit Analyst (Asset Finance)locations: Tullamarine, Victoriatime type: Full timeposted on: Posted Todayjob requisition id: R0000304583**Career Area:**Finance**Job Description:****Your Work Shapes the World at Caterpillar Inc.**When you join Caterpillar, you're joining a global team who...

  • Senior Credit Analyst

    4 weeks ago

    Melbourne, Victoria, Australia Caterpillar Inc. Full time

    OverviewJoin to apply for the Senior Credit Analyst (Asset Finance) role at Caterpillar Inc.Job DescriptionYour Work Shapes the World at Caterpillar Inc. When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers, and future world builders who are creating...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Caterpillar Inc. Full time

    Overview Join to apply for the Senior Credit Analyst (Asset Finance) role at Caterpillar Inc. Job Description Your Work Shapes the World at Caterpillar Inc. When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers, and future world builders who...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Michael Page Australia Full time

    OverviewLongevity: Opportunity to build a career in a growing multinational businessCulture and office environment: Supportive, collaborative & friendly teamAbout Our ClientOur client is a well-established organisation operating within the industrial and manufacturing industry. This large organisation is known for its robust operations and focus on...

  • Senior Credit Analyst

    3 weeks ago

    Melbourne, Victoria, Australia Michael Page Australia Full time

    OverviewLongevity: Opportunity to build a career in a growing multinational business Culture and office environment: Supportive, collaborative & friendly team About Our Client Our client is a well-established organisation operating within the industrial and manufacturing industry. This large organisation is known for its robust operations and...

  • Credit Analyst

    4 weeks ago

    Melbourne, Victoria, Australia Thomas Frost Executive Full time

    Full-time position based in Melbourne CBDNon-conforming lender - our client provides a flexible approach to the assessment of their client's financesGreat Career Progression with a supportive team environment.About My ClientMy client is a family owned and managed business with headquarters in Melbourne, Victoria. For over 75 years, they have given hope to...