AU Business Lending Underwriter

Underwrite Australia's SME Growth With Expert Credit Judgment

Put your credit expertise behind Australia's next business success story Join Emapta as an AU Business Lending Underwriter / Credit Analyst and evaluate SME financing opportunities through cash flow analysis, responsible lending, and commercial risk assessment. Support Australian entrepreneurs while enjoying permanent remote flexibility, international collaboration, continuous learning, and long-term career growth designed for top 1% talent.

Job Overview

• Employment Type: Full-time
• Shift: Day Shift, Weekends Off
• Work Setup: Work From Home

Exciting Perks Await

• Competitive Salary Package
• Day Shift Schedule
• Permanent WFH arrangement
• HMO coverage with free dependent upon regularization
• Fixed weekends off
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

Essential Requirements

• 3 to 5 years of direct experience in underwriting Australian SME or commercial business loans
• Previous experience with an Australian non-bank lender, fintech lender, commercial finance provider, or business lending company
• Strong understanding of Australian business bank statements, cash-flow-based lending, debt servicing, loan affordability, and commercial credit risk
• Experience assessing unsecured business loans, short-term working capital facilities, or merchant cash advances
• Ability to identify existing lender repayments, loan stacking, dishonours, irregular income, and signs of financial distress
• Experience with illion BankStatements or comparable bank statement analysis platforms
• Advanced Microsoft Excel skills and strong numerical accuracy
• Excellent written and verbal English communication skills
• Ability to prepare clear, professional, and evidence-based credit assessments and recommendations
• Ability to work independently, challenge assumptions, and exercise sound commercial credit judgment
• Willingness to use AI-assisted underwriting tools while independently verifying their findings
• Availability to work Australian business hours

Highly Desirable

• Previous underwriting experience with Australian alternative business lenders or merchant cash advance providers
• Experience evaluating second- and third-position business financing
• Familiarity with Australian business credit reporting platforms, including Equifax, illion, and CreditorWatch
• Experience assessing construction businesses, subcontractors, and other cash-flow-intensive industries
• Understanding of Australian business structures, including Pty Ltd companies, trusts, and sole traders
• Experience reviewing Australian Taxation Office (ATO) obligations, Business Activity Statements (BAS), aged receivables, and business financial statements
• Familiarity with business loan management systems such as FinPower

What We're Looking For

• Strong commercial awareness and ability to assess a business's financial health beyond reported turnover
• Ability to recommend loan approvals, reduced advances, additional verification, or application declines based on sound credit analysis
• Ability to provide clear, evidence-based explanations for underwriting recommendations and credit decisions
• Strong commitment to accuracy, integrity, attention to detail, and responsible lending practices

Your Daily Tasks

• Review and assess Australian SME business finance applications, including new loans, renewals, refi