Credit Analyst/Underwriter

Global Payments; Leicester; Hybrid; GBP 40,000 - 55,000; Full time

Job summary

A global payment solutions provider is seeking an Underwriter/Credit Analyst in Leicester for a hybrid role. You will evaluate businesses applying for card payment facilities, conduct financial analyses, and collaborate closely with the Credit Team. Ideal candidates have strong experience in credit assessment and risk management. This is an excellent opportunity to contribute to a dynamic industry while working from home and the office.

Qualifications

• Experience in underwriting and credit analysis.
• Strong analytical skills to assess financial statements.
• Ability to interpret Credit Bureau Reports.
• Knowledge of compliance requirements in payment processing.

Responsibilities

• Underwriting businesses for Card Payments facilities.
• Performing financial analysis based on statements.
• Proactively monitoring the Merchant Portfolio.
• Calculating reserves based on credit exposure.

Skills

Financial analysis

Credit assessment

Risk management

Business model evaluation

Communication

Job description

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.

We have an exciting opening and our recruiting for an Underwriter/Credit Analyst to join our expanding team based in our office in Dublin City Centre. This role is a hybrid role and reports to the Credit Supervisor. Main Duties:

• Underwriting of businesses applying for Card Payments facilities
• Assessment / evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring
• Performance of financial analysis based on financial statements and forecast
• Assessment of business models in the context of due diligence and compliance with the guidelines of the payment institutions
• Assess and interpret Credit Bureau Reports
• Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
• In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals
• Communicate with sales channels and partners regarding new applications
• Proactively monitoring of the Merchant Portfolio
• Verification of adherence to compliance requirements and credit guidelines
• Periodic credit reviewing of the portfolio
• Participation in training of partners and merchants on risk management processes
• Calculation of reserves/collaterals based on credit exposure
• Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England & Manila, Philippines)

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 [e-mail].