Credit Analyst/Underwriter

Total System Services; Leicester; On-site; GBP 30,000 - 45,000; Full time

Job summary

A leading payment solutions provider in Leicester is looking for an Underwriter/Credit Analyst. In this role, you will underwrite applications for card payment facilities, assess business risks, and work closely with regional credit teams. The ideal candidate will have strong financial analysis skills and a deep understanding of compliance requirements in the payments industry. Join the team and make a significant impact on the financial services landscape.

Qualifications

• Experience with underwriting and credit analysis.
• Strong analytical skills for assessing business models.
• Knowledge of card acceptance/acquiring guidelines.

Responsibilities

• Underwrite businesses for card payment facilities.
• Evaluate merchant business models for risks.
• Monitor merchant portfolio compliance.

Skills

Financial analysis

Risk assessment

Credit evaluation

Compliance understanding

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 are recruiting for an Underwriter/Credit Analyst to join our expanding regional team in UK & Ireland. Team Members are based in both Dublin & Leicester. Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England, Dublin, Ireland & Manila, Philippines).

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

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].