Senior Credit Analyst

Epicor; Austin (TX); On-site; USD 60,000 - 95,000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to enhance their credit underwriting processes. In this pivotal role, you will analyze financial statements and credit data, conduct portfolio assessments, and improve credit policies to support both risk protection and sales growth. You will serve as a subject matter expert, providing insights to sales inquiries and monitoring transaction activities for potential risks. This position offers an exciting opportunity to contribute to a dynamic team and stay at the forefront of industry regulations and practices.

Qualifications

• Strong analytical skills to assess financial statements and credit data.
• Expertise in credit policies and risk mitigation strategies.

Responsibilities

• Analyze financial statements and credit data for underwriting.
• Conduct portfolio assessments to ensure creditworthiness.
• Monitor transactions to identify risks and fraud.

Skills

Financial Analysis

Credit Underwriting

Risk Assessment

Policy Improvement

Transaction Monitoring

NACHA Guidelines

Merchant Processing Knowledge

Education

Bachelor's Degree in Finance or Accounting

Relevant Certifications (e.g., CFA)

Job description

Join to apply for the Senior Credit Analyst role at Epicor.

Analyze financial statements, industry outlook, and credit data for businesses according to merchant services credit underwriting standards.

Conduct periodic portfolio assessments to ensure high-risk accounts are still creditworthy.

Underwrite new accounts based on established policies.

Update and improve credit policies to balance risk protection and sales growth.

Serve as a subject matter expert (SME) on credit and credit policy to support sales inquiries.

Monitor daily transaction activity to identify risks and fraud schemes.

Process transaction exceptions identified by banks to verify qualifications.

Investigate transactions and batches to assess loss risk and take appropriate actions.

Understand NACHA guidelines and ACH processing related to collections of delinquent accounts.

Assess business model risks across eCommerce and Retail sectors.

Have a strong understanding of merchant processing contracts and risk mitigation strategies.

Attend industry meetings to stay current with changing regulations.