Senior Credit Review

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.

Summary of This Role

Routinely monitors existing merchant accounts and relationships for potential risk exposure to the company and assists management in mitigating losses. Effectively interacts with merchants, sales representatives, Senior Credit Review Analysts and Management to achieve timely review of accounts, in mitigating loss and in protecting the company against fraud and other risks. Ensures changes to the merchant's credit and financial history and the economic environment continues to meet acceptable risk standards. Reviews accounts and ensures compliance with laws, bank regulation, corporate and divisional credit review and underwriting policies and standards on accounts. Reviews accounts in accordance with sound credit-granting principles and compliance with Company, Sponsor Bank and Legal, Policy and Procedures.

What Part Will You Play?

• Thoroughly understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.)
• Proficient in all credit review processes and policies, and be able to communicate that knowledge verbally and in writing to other staff.
• Applies in-depth credit knowledge with a solid understanding of industry standards and corporate operations practices.
• Independently reviews ISO portfolio and merchant accounts as determined by review guidelines within approval authority, consistent with underwriting policies and guidelines.
• Verify that change request information provided and supporting documentation is correct and consistent with required standards.
• Call ISO Relationship Management, Sales, or merchants regarding accounts when needed to verify information.
• Uses advanced knowledge and judgment to complete more complex credit review decisions.
• Performs advanced analysis of credit reports, business and personal financials, tax returns and other similar documentation.
• Perform preliminary financial statements and industry comparative analysis on potential multi-million dollar merchants.
• Negotiate collateral or contract changes with merchants when it is determined that the original request cannot be accommodated.
• Evaluate and make recommendations to Manager and Director, and where required Corporate review on accounts beyond individual approval authority.
• Responsible for preparing large complex accounts for Corporate Credit review.
• Interact with ISO Relationship Management, Sales, and Senior Management with regard to communicating financial decisions.
• Communicate decisions effectively in both verbal and written communication.
• Properly file paperwork.
• When requested, consult with Mgt. on procedural and policy changes, concerns or clarifications.
• When requested, assist Mgt. with training and development of personnel.
• Review files from other staff for accuracy.
• Assist other Credit Review Analysts when needed.
• Perform audits and periodic credit reviews for management.
• Prepare spreadsheets and detailed written reports to be presented to management.
• Monitor chargebacks, mitigate losses, manage tight deadlines
• Take initiative to identify opportunities for process improvements
• May serve on special project resource teams as assigned.
• Mentor lower level analysts.
• Additional primary duties will be assigned as required.

What Are We Looking For in This Role?
Minimum Qualifications

• Bachelor's Degree in Finance or Accounting or combination of a related degree and experience required (Collections, Account, Underwriting, Credit Banking, Finance, Mortgage, Etc.)
• Typically minimum 4 years relevant experience in credit, risk or equivalent experience
• Business and consumer credit and exposure analysis skills.
• Ability to read/review/analyze personal and business financial statements, interpret credit bureau reports, analyze trade experience, tax documents, and utilize external financial resources.
• Strong analytical and process skills.
• Strong communication (written and verbal), customer service, multi-tasking skills.

Preferred Qualifications

• In-depth credit operations knowledge, industry standards, corporate policy and operational practices.
• Previous experience with Salesforce preferred
• Advanced knowledge and judgment to complete more complex credit decisions.
• Advanced proficiency in all underwriting processes and policies, and be able to communicate that knowledge verbally and in writing to other staff.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - A seasoned, experienced professional with a full understanding of area of specialization; resolves a wide range of issues in creative ways. This job is the fully qualified, career-oriented, journey-level position.
• Job Complexity - Works on problems of diverse scope where analysis of data requires evaluation of identifiable factors. Demonstrates good judgment in selecting methods and techniques for obtaining solutions. Networks with senior internal and external personnel in own area of expertise.
• Supervision -Normally receives little instruction on day-to-day work, general instructions on new assignments.

Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact

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