# Senior Credit Analyst at Prospa

> Australia · Senior · Other · open. Source: https://alderhq.app/jobs/greenhouse%3Aprospa%3A8166459 (read 2026-11-04).

## Facts (observed)

- Company: [Prospa](https://alderhq.app/companies/prospa)
- Location text: Sydney; Australia
- Where it can be done from (inferred): Australia (evidence: "Location: Sydney; Australia")
- Posted: 2026-09-13 (52 days ago)
- First seen by alder: 2026-11-02 · last verified: 2026-11-04
- Reposted: 0 times · edited: 0 times
- Apply on the employer's site: https://www.prospa.com/about-us/careers?gh_jid=8166459

## Pay and sponsorship

- Posted pay: not posted
- Market band for similar posted roles (Sydney, n 22): p25 AUD 141k, median AUD 200k, p75 AUD 329k

## Description (the employer's text)

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.

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Data: alder (https://alderhq.app). Cite https://alderhq.app/jobs/greenhouse%3Aprospa%3A8166459 and the date you read it. Observed facts come from the employer's own listing; location reach, level, family and skills are inferences.