Credit Underwriter Senior - US Large Credit Risk / Merchant Underwriting

Job Description

Ready to take your career global? Make your mark at one of the biggest names in payments. We're looking for a Credit Underwriter Senior - US Large Credit Risk / Merchant Underwriting to join our ever evolving Large Credit Underwriting team and help shape the future of global commerce.

About The Team
The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.

What You Will Own
The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant's credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.

• Obtains and reviews the financial statements of merchants

• Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure

• Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.

• Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority

• Communicates effectively and professionally with internal and external clients

• Exercises sound judgment in assessing potential regulatory and reputational risks

• Monitors and communicates credit concerns to management

• Role is hybrid and requires 2-3 days in office

What you will bring:

• Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos

• Effective communication skills; attention to detail

• Strong judgment and decision-making skills

• Self-starter, able to work independently; possesses a strong sense of ownership

• Ability to creatively solve problems and achieve company objectives

• Time management skills with ability to multitask

It's a Bonus if you have:

• Knowledge of merchant acquiring services and the payment processing industry

• Degree in Finance, Accounting, or similar formal credit training

What We Offer You

• A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.

• The opportunity to focus on a broad range of industries and financial topics.

• A work environment built on collaboration, flexibility and respect.

• A competitive salary and benefits designed to help support your lifestyle and well being

About the team

Our inclusive and global teams win together every day. We're proud to have the best minds in the industry,

who you can learn from as you grow your career. The people, the energy, the connections - it's unmatched. Come and be part of an ever-evolving company and get dynamic opportunities that go beyond borders.

What makes a Globalpayer?

Globalpayers think like a client, act like an owner and win as one team. We're curious and innovative -

always finding better ways to deliver impact. We empower each other to make decisions, and it's our passion

that drives excellence in everything we set out to do.

Does this sound like you? Then you sound like a Globalpayer. Apply now to take your career global.

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EEOC Statement

Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.

If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.