Senior Underwriter

Underwriter – Commercial Lending

📍 Sydney | Full-time | On-site

About Lendmigo

Lendmigo is a leading Australian business lender, delivering fast, flexible commercial finance solutions built for real-world business needs. We support brokers and small to medium businesses with practical, execution-driven funding solutions when traditional lenders fall short.

As a scaling fintech, we operate in a fast-paced, high-accountability environment where sharp credit judgement is critical.

The Role

We're looking for a hands-on Underwriter to join our Sydney team and take ownership of credit decisioning across our lending book.

You'll assess and approve business loan applications, helping Australian SMEs access the funding they need to grow. This is a high-impact role with a clear pathway to Head of Credit for the right candidate, someone who can combine strong risk judgement with a commercial, deal-getting mindset and wants to build a credit function as we scale.

What You'll Be Doing

• Evaluate loan applications and assess credit risk end-to-end
• Analyse financial statements, bank data, and business performance
• Make timely lending decisions within your delegated authority
• Monitor portfolio quality and identify emerging risks early
• Collaborate closely with sales and operations to keep deals moving without compromising credit quality
• Help shape and refine credit policy, processes, and frameworks as the business grows

What We're Looking For

• 2+ years underwriting or credit analysis experience
• Strong understanding of business lending and risk assessment
• Excellent analytical and decision-making skills
• Attention to detail and the ability to work under pressure
• A commercial mindset: able to balance risk with the need to fund good deals
• Tertiary qualification in Finance, Accounting, or a related field is advantageous
• Founder's mindset: proactive, accountable, and willing to roll up your sleeves

Qualifications

We care less about formal qualifications and more about what you can do and the experience you bring. If you know how to assess risk, make sharp decisions, and take ownership, we want to hear from you.

Why Join Lendmigo?

• A genuine pathway to Head of Credit for the right person
• Work directly with founders and senior leadership
• Help build and scale our core credit function from the ground up
• High-impact role with real ownership and autonomy