Senior Credit Analyst

Epicor; Minneapolis (MN); On-site; USD 65,000 - 95,000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to join their team in Minneapolis. This role involves analyzing financial statements and credit data to ensure businesses meet underwriting standards, conducting portfolio assessments, and updating credit policies to protect both the company and its customers. The ideal candidate will serve as a subject matter expert on credit policies, assisting sales inquiries and monitoring transaction activities for risk trends. Join this dynamic firm to contribute to innovative solutions in merchant services and enhance your career in a supportive environment.

Qualifications

• Experience in analyzing financial statements and credit data.
• Strong understanding of credit policies and risk management.

Responsibilities

• Analyze financial statements and credit data for businesses.
• Conduct periodic portfolio assessments to ensure creditworthiness.
• Update credit policies to support sales initiatives.

Skills

Financial Analysis

Credit Underwriting

Risk Assessment

NACHA Guidelines

Fraud Detection

Education

Bachelor's Degree in Finance

Master's Degree in Business Administration

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 approved accounts that represent the highest risk are still creditworthy.

Underwrite new accounts following established policy.

Update and enhance credit policies to protect Epicor and customer interests while supporting sales initiatives.

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

Monitor transaction activity daily to identify risk trends and fraud schemes.

Process bank-identified transaction exceptions to validate and verify transaction qualifications.

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

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

Assess business model risks across sectors from eCommerce to Retail.

Maintain a strong understanding of merchant processing contracts and their role in risk mitigation.

Attend industry meetings to stay current with changing regulations.