Senior Merchant Underwriter - Risk & Guidance

Quantum Electronic Payments LLC; Anaheim (CA); On-site; USD 65,000 - 69,000; Full time

Benefits offered by this job

Flex PTO

Top Workplace OC

Open-concept facility

Job summary

Quantum Electronic Payments LLC is seeking a Senior Underwriter to independently review complex merchant applications, assess elevated risk, and provide clear underwriting rationale. This role requires strong merchant services expertise and the ability to improve consistency across the underwriting team.

The candidate will collaborate with Risk, Compliance, Sales, Operations, and sponsor bank contacts, mentoring junior underwriters and contributing to procedures and training.

Qualifications

• Advanced merchant services underwriting knowledge and risk assessment.
• Ability to interpret complex financial documentation and banking statements.
• Strong written communication and justification of underwriting decisions.

Responsibilities

• Independently review complex, high-risk merchant applications.
• Analyze creditworthiness, financial stability, and operational risk.
• Provide clear underwriting rationale and decisioning guidance.

Skills

Underwriting expertise

Analytical thinking

Risk assessment

Written documentation

Education

Merchant services education

Tools

TSYS systems

CRM platforms

Job description

Quantum Electronic Payments LLC is seeking a Senior Underwriter to independently review complex merchant applications, assess elevated risk, and provide clear underwriting rationale. This role requires strong merchant services expertise and the ability to improve consistency across the underwriting team.

The candidate will collaborate with Risk, Compliance, Sales, Operations, and sponsor bank contacts, mentoring junior underwriters and contributing to procedures and training.