About usMoula was founded in 2013 to help hard-working business owners in Australia access the business finance they need to grow. We are a team of finance industry experts, dedicated to using technology to simplify small business finance. About the positionMoula is seeking an experienced credit professional to join our team and contribute to delivering high-quality credit outcomes. In this role, you will use your understanding of business financials and cash flow, along with your underwriting expertise, to make sound credit and risk decisions. You will also play a key role in supporting internal teams and broker partners with clear, timely, and customer-focused service. Key Responsibilities:Manage the end-to-end credit assessment process for loan applications up to $500,000Review funding applications in line with credit criteria, lending policies, and risk appetiteApply sound judgement and consider alternative approaches to structuring credit solutions that suit individual circumstancesAbility to communicate credit decisions and supporting rationale clearly to internal teamsEnsure compliance with all regulatory and legislative requirements, as well as Moula’s internal risk and compliance standardsConduct underwriting in compliance with AML/KYC, the Privacy Act, and all relevant legislation governing business lendingPromote and contribute to a strong risk culture by reducing inconsistencies, preventing uninformed risk-taking, and ensuring accuracy in credit assessments About youMinimum 4 years experience in commercial credit, working with a range of business structuresDemonstrated experience in reviewing business bank statements and assessing cash flow–based lendingCurrent Delegated Lending Authority (DLA/CAL) Ability to support and mentor junior members of the team, assisting with all areas of the underwriting processStrong understanding of SME lending and business financeExcellent communication skills with the ability to build and maintain strong relationshipsHigh level of financial acumen, attention to detail, and follow-upCommitment to professional development and continuous improvementSelf-motivated, proactive, and able to work effectively in a fast-paced, evolving environment Reports toCredit Team Lead
