# Senior Credit Analyst at Prospa

Senior Credit Analyst at Prospa in Sydney. Remote. Posted September 13, 2026.

- Company: Prospa
- Location: Sydney
- Workplace: Remote
- Experience: 3+ years
- Posted: 2026-09-13
- Apply: https://www.prospa.com/about-us/careers?gh_jid=8166459
- Source: https://jobmagic.ai/jobs/senior-credit-analyst-prospa-vtb61v

## 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

## Description

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!

Great businesses need funding to back their ambition. That's where you come in.

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.
 
**Why You'll Love This Role

**
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.
 
**What You'll Be Doing**

- 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 (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.

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

**What You'll Bring**

- 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

Don’t let a confidence gap get in the way of submitting your application.

### Don't let a confidence gap get in the way of submitting your application.

### 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.

### Why Prospa?

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.

#LI-MK1