About the Role:We're looking for a
Senior Credit Analyst that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented individuals with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience.
What You'll Do:- Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders
- Ensure strict adherence to company policies and procedures, Federal and State regulations, and laws.
- Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC) and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities.
- Read and interpret commercial credit reports to assess merchant risk profiles
- Analyze business financial statements including balance, income statement and cash flow.
- Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc.
- Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality-including leveraging AI-driven strategies in the application review process.
- Bring a flexible mindset - you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work.
What We Look For:- 4+ years of business or merchant underwriting experience
- 2+ years experience in a payments, financial services or related industry
- Ability to proficiently analyze financial information and identify concerning trends
- Team player mentality with a high level of integrity
- Ability to thrive in a changing and fast-paced environment
- Detail-oriented with excellent verbal and written communication skills
- Proficiency with Google Sheets, Tableau
What We Offer You: - Competitive salary
- 100% paid coverage of medical, dental and vision insurance
- Flexible PTO
- Competitive 401(k)
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
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