Senior Credit Analyst

About DynamoneyDynamoney is a fast-growing, non-bank lender on a mission to become the go-to financial partner for Australia’s small and medium businesses — the backbone of our economy. Established in 2015, we’ve supported over 22,000 SME customers and built strong momentum through our broker network, aggregator partnerships, and emerging direct channel.With more than 85 team members (and growing) across the country, we offer a dynamic, collaborative workplace where roles come with real scope and impact. If you're looking to be part of a purpose-driven business with big ambitions in the commercial lending space — this is the place to be.About the roleWe’re looking for an experienced Senior Credit Analyst to join our high-performing Credit team. This role is critical in shaping the quality and performance of our SME lending portfolio. You’ll take ownership of credit assessments and approvals (up to $1m) for Equipment Finance and Business Loan applications, working closely with teams across the business to ensure decisions are well-informed, balanced, and aligned with risk appetite.If you have a strong understanding of the SME lending landscape, expert-level bank statement analysis skills, and a commercial mindset — we want to hear from you.Key ResponsibilitiesEngage with internal stakeholders Sales, Legal, Settlements, and CollectionsConduct in-depth credit assessment of new and existing customers, including financial analysis, cashflow modelling, industry and market risk evaluation.Prepare high-quality credit submissions with clear recommendations for approval within your DLA.Identify, evaluate, and mitigate key credit and counterparty risks.Monitor portfolio performance, including early identification of deteriorating exposures and recommending remedial strategies.Ensure compliance with internal policies, prudential standards, and relevant regulatory requirementsSupport relationship managers and frontline staff by providing credit structuring guidance and risk insights.Contribute to credit policy development and continuous improvement of risk assessment frameworks.Mentor and provide guidance to junior analysts, fostering analytical and professional growth.Participate in portfolio reviews, stress testing, and industry/sector analysis.Prepare reports and insights for senior management, credit committee, and Board where required.What we’re looking forBachelor’s degree in finance, Accounting, Economics, or related field (postgraduate or professional qualifications such as CPA, CFA, or CA desirable).Minimum 6-8 years’ experience in credit analysis within banking, financial services, or corporate lending.Extensive knowledge of bank statement analysis is a mustStrong financial and credit analysis skills, including proficiency in interpreting financial statements, ratios, and cashflow forecasts.High attention to detail and accuracy in analysis and documentation.Ability to work under pressure, prioritise tasks, and manage competing deadlines.Previously held DLA > $250kSound judgement with the ability to balance commercial outcomes and risk managementStrong knowledge of lending products, credit structuring, security documentation, and risk mitigants.Collaborative and supportive team player, with leadership capabilities.Why join Dynamoney?Join a purpose-driven non-bank lender with big ambitions in the SME space.High-impact role with autonomy and exposure to senior leadership.Competitive salary + flexibility with hybrid work model (WFH day).Convenient CBD office with end-of-trip facilities.Smart casual dress code and inclusive, energetic team culture.4 weeks of annual leave.Ready to make a real impact in SME lending? Apply now and help shape the future of non-bank finance in Australia.