Credit Underwriter I

Global Payments; Xico; Presencial; MXN 717,000 - 1,076,000; Jornada completa

Descripción de la vacante

A leading payment solutions company in Veracruz is seeking an Underwriter I to assess financial risks and ensure compliance with credit policies. Responsibilities include analyzing credit reports, making informed decisions on merchant applications, and communicating effectively. Candidates should have a Bachelor's Degree in Finance or Accounting and preferably some experience in the payment processing industry. Join a dynamic team committed to delivering innovative payment solutions.

Formación

• 1+ years of experience in finance, accounting, or underwriting.
• Knowledge of payment processing and credit policies preferred.
• Ability to analyze credit reports and financial statements.

Responsabilidades

• Assess risk and creditworthiness of prospective merchants.
• Communicate decisions effectively in verbal and written communication.
• Ensure compliance with underwriting policies and regulations.

Conocimientos

Risk analysis

Interpersonal skills

Communication skills

Financial statement analysis

Educación

Bachelor's Degree in Finance or Accounting

Herramientas

Salesforce

Descripción del empleo

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

What Part Will You Play?

• Risk Calculation Approval Limit is generally $50,000 for Underwriter I, in accordance with the US Credit Policy.
• Understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.).
• Read, interpret and analyze credit reports, financial statements, bank files, tax returns, other similar documentation and public records.
• Analysis of all pertinent credit and financial information to assess degree of risk and creditworthiness of prospective merchants.
• Ensure compliance with laws, bank regulation, corporate and divisional underwriting policies, procedures and standards.
• Communicate decisions effectively in both verbal and written communication.
• Demonstrate good listening, interpersonal and team working skills.
• Work with Sr.

Underwriters to seek alternative means of financing or counter offers for all merchants / clients when it is determined that the original request cannot be accommodated.

• 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 and 1+ years related experience and / or training; or equivalent combination of education and experience in a related field (Collections, Accounting, Underwriting, Credit Banking, Finance, Mortgage, Etc.).
• Typically no related experience required.

Preferred Qualifications

• Previous knowledge of the payment processing industry is preferred.
• Previous experience with Salesforce preferred.
• Working knowledge of business financial statement analysis and review of tax returns preferred.
• Working knowledge of credit policies, procedures, principles and philosophy preferred.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Learns to use professional concepts.
• Job Complexity - Works on problems of limited scope.
• Supervision - Normally receives detailed instructions on all work.

Applies company policies and procedures to resolve routine issues.

Follows standard practices and procedures in analyzing situations or data from which answers can be readily obtained.

Builds stable working relationships internally.