Credit Analyst

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!

We're looking for a dynamic Credit Analyst to join our team and help us shape the future of small business lending. In this role, you'll evaluate loan applications using your credit expertise to assess their creditworthiness. You'll make informed decisions by recommending or approving loans that align with Prospa’s risk appetite and underwriting policy. Additionally, you'll and collaborate exclusively with internal stakeholders to keep things moving.

• Decisioning applications within DLA in a timely manner. 
• Recommending for approval or decline on loans outside of DLA in a timely manner. 
• Review credit reports, bank statements, tax statements and other reports to determine degree of risk involved with providing business loans. 
• Identify and help implement process improvements 
• Conduct credit calls directly with applicants where required 

• Previously held a DLA 
• Experience in business lending is advantageous 
• Experience with financial statement analysis is not essential but a strong plus 
• Strong analytical and problem-solving skills  
• Strong attention to detail  
• Outstanding written and verbal communications skills 
• Ability to work directly with various internal and external stakeholders. 
• Experience in a high-pressured environment working to deadlines. 

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.