Credit Underwriter Senior - US Large Credit Risk / Merchant Underwriting

Are you ready to unleash your full potential? We’re looking for people who are passionate about payments to chart Worldpay’s path to being the largest and most-loved payments company in the world. About The Team The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. Responsibilities Review large credit risk exposure accounts with a focus on the merchant’s credit fundamentals. Obtain and review the financial statements of merchants. Perform extensive analysis of financial statements and provide an assessment of credit profile; recommend actions for exposure. Effectively evaluate complex business arrangements and structures; dive deep into the background and operations of a merchant. Recommend and establish appropriate credit limits and collateral to minimize and manage risk; position may be granted credit authority. Communicate effectively and professionally with internal and external clients. Exercise sound judgment in assessing potential regulatory and reputational risks. Monitor and communicate credit concerns to management. Role is hybrid and requires 2-3 days in office. Qualifications Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos. Effective communication skills; attention to detail. Strong judgment and decision-making skills. Self-starter, able to work independently; possesses a strong sense of ownership. Ability to creatively solve problems and achieve company objectives. Time management skills with ability to multitask. Bonus Qualifications Knowledge of merchant acquiring services and the payment processing industry. Degree in Finance, Accounting, or similar formal credit training. What We Offer You A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team. The opportunity to focus on a broad range of industries and financial topics. A work environment built on collaboration, flexibility and respect. A competitive salary and benefits designed to help support your lifestyle and well being. Benefits My Health: We offer access to medical coverage that supports the health and wellbeing for you and your family. My Money: In addition to base salary, you may be eligible for bonuses and/or equity awards, determined by role, level, impact, and our policies. My Lifestyle: We have a dedicated Wellness Week each year – which includes an extra paid day off - so you can take time to relax, recharge and invest in your wellbeing. My Family: FLEX, our family inclusion community, offers support for all Globalpayers at every stage, from raising families to caring for loved ones. My Time Off: We offer paid time off and public holidays so you can rest, recharge and spend time on what matters most. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here. If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. #J-18808-Ljbffr Worldpay Group Plc