Underwriting Analyst

PayKings Merchant Payments Acceptance Corp.; Lehi, Northern (UT, KY); Hybrid; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive salary

Growing fintech company

Fintech expertise

Collaborative team

On-site Lehi, UT

Job summary

PayKings Merchant Payments Acceptance Corp. in Lehi, Utah, seeks an analytical underwriter to review merchant applications, read financials, and determine an appropriate processing setup with acquiring banks.

You will verify ownership, assess risk, request missing information, document decisions, and support ongoing reviews. This role emphasizes careful judgment, attention to detail, and clear written communication.

Qualifications

• Experience in merchant underwriting, credit analysis, risk, or a related financial review role.
• Comfort reading financial statements and processing statements.
• Strong attention to detail and sound judgment.
• Clear written communication for documenting decisions.
• Ability to manage many files at once against deadlines.

Responsibilities

• Review merchant applications and supporting documents such as processing statements, bank statements, and business financials.
• Verify business ownership and identity, and check for red flags.
• Assess risk from industry, business model, chargeback history, and volume.
• Match each merchant with a compatible processing setup and acquiring bank.
• Prepare complete underwriting files and work with bank partners through approval.
• Request missing information from merchants and sales in a clear, timely way.
• Document decisions and conditions such as reserves or processing limits.
• Support periodic reviews of existing merchant accounts.

Skills

Merchant underwriting

Credit analysis

Risk assessment

Financial review

Attention to detail

Job description

This role reviews merchant applications and decides how to place them. Many PayKings merchants are in industries other processors turn away, so the work is careful judgment: reading a business's documents, understanding its risk, and matching it with a processing setup its acquiring bank will approve. It suits an analytical, detail-oriented person who likes getting the hard files right.

What you will do

• Review merchant applications and supporting documents such as processing statements, bank statements, and business financials
• Verify business ownership and identity, and check for red flags
• Assess risk from industry, business model, chargeback history, and volume
• Match each merchant with a compatible processing setup and acquiring bank
• Prepare complete underwriting files and work with bank partners through approval
• Request missing information from merchants and sales in a clear, timely way
• Document decisions and conditions such as reserves or processing limits
• Support periodic reviews of existing merchant accounts

What you will bring

• Experience in merchant underwriting, credit analysis, risk, or a related financial review role
• Comfort reading financial statements and processing statements
• Strong attention to detail and sound judgment
• Clear written communication for documenting decisions
• Ability to manage many files at once against deadlines

Preferred

• High-risk merchant account underwriting experience
• Familiarity with card brand rules, chargeback thresholds, and reserve structures
• Experience working directly with acquiring banks

Benefits

• Competitive salary
• A stable role at a growing payments company
• Room to build real fintech expertise
• Collaborative team environment
• On-site position in Lehi, Utah