Credit Review

Summary This role monitors existing merchant accounts for risk exposure, interacts with stakeholders to mitigate losses and protect the company against fraud and other risks, and ensures compliance with laws, regulations, and company policies. Responsibilities Thoroughly understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.) Apply in‑depth credit knowledge and solid understanding of industry standards and corporate operations practices. Review accounts independently according to review guidelines within approval authority, consistent with credit policies. Verify that change request information and supporting documentation are correct and meet required standards. Call merchants to verify information when needed. Use advanced knowledge and judgment to make complex credit review decisions. Perform advanced analysis of credit reports, business and personal financials, tax returns and similar documentation. Communicate credit review processes and policies verbally and in writing to staff. When risk exceeds the analyst’s approval authority, provide a write‑up and recommendations to management. Communicate decisions effectively in both verbal and written communication. File paperwork properly. Consult with management on procedural and policy changes, concerns or clarifications when requested. Assist management with training and development of personnel. Review files from other staff for accuracy. Assist in audits and periodic credit reviews for management. Negotiate collateral or contract changes with merchants when the original request cannot be accommodated. Evaluate and make recommendations to Manager and Director, and provide corporate review on accounts beyond individual authority. Prepare large complex accounts for corporate credit review. Prepare spreadsheets and detailed written reports for presentation to management. Monitor chargebacks, mitigate losses, and manage tight deadlines. Take initiative to identify opportunities for process improvements. Assist with any other primary duties as required. Serve on special project resource teams as assigned. Maintain knowledge from the credit underwriting team and demonstrate competency in that area. Mentor lower‑level analysts and underwriters. Minimum Qualifications Bachelor’s Degree in Finance or Accounting or related field. Typically minimum 2 years relevant experience in finance/accounting, credit, risk or equivalent field. Business and consumer credit and exposure analysis skills. Ability to read, review and analyze personal and business financial statements, interpret credit bureau reports, trade experience, tax documents, and utilize external financial resources. Strong analytical and process skills. Strong written and verbal communication, customer service, and multi‑tasking skills. Preferred Qualifications In‑depth credit operations knowledge, industry standards, corporate policy and operational practices. Previous experience with Salesforce. Advanced knowledge and judgment to complete complex credit decisions. Advanced proficiency in underwriting processes and policies, with the ability to communicate this knowledge verbally and in writing. Desired Skills and Capabilities Develop professional expertise and apply company policies and procedures to resolve a variety of issues. Work on moderate‑scope problems requiring analysis of multiple factors, exercising judgment within defined procedures. Build productive internal and external working relationships. Normally receive general instructions for routine work and detailed instructions for new projects or assignments. #J-18808-Ljbffr