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Senior Credit Analyst
2 weeks ago
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
The roleAre you ready to make a significant impact at Prospa? Reporting to the Credit Team Leader, you'll play a crucial role in evaluating the creditworthiness of applicants, including both low doc and Prospa Plus (full doc) applications.
You'll leverage your extensive industry knowledge, commercial acumen, and financial expertise to write business within Prospa's risk appetite. Collaborating closely with our customers, as well as our sales and account management teams, you'll meticulously assess each application to ensure the best outcomes for both our customers and the business.
What you'll be doing- Coordinating the underwriting of commercial loan applications in the 'Prospa Plus/Full Doc' segment
($250K-$500K). - Bank statement analysis for low-doc up to $250K.
- Providing in-depth detailed analysis of financial statements and calculate industry 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 a given transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions.
- Conduct credit calls with clients and relevant stakeholders e.g. Financial Controllers, to collect
additional information relevant to the proposed transaction. Also utilise strong communication and
interpersonal skills to obtain necessary financial information from customers. - Liaising with senior members in other areas of the business, e.g. the Head of Customer Success and National Sales Managers to discuss scenarios and appeals.
- Preparing clear, thorough and informative credit papers for each application.
- Comply with internal controls and government regulations.
- Identify areas of process improvements and efficiencies where possible.
- 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
- Outstanding written and verbal communications skills
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.
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.
