Credit Review Analyst II

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Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.

Sign on bonus!

Summary of This Role

Routinely monitors existing merchant accounts and relationships for potential risk exposure to the company and assists management in mitigating losses. Effectively interacts with merchants, sales representatives, Senior Credit Review Analysts and Management to achieve timely review of accounts, in mitigating loss and in protecting the company against fraud and other risks. Ensures changes to the merchant's credit and financial history and the economic environment continues to meet acceptable risk standards. Reviews accounts and ensures compliance with laws, bank regulation, corporate and divisional credit review and underwriting policies and standards on accounts. Reviews accounts in accordance with sound credit-granting principles and compliance with Company, Sponsor Bank and Legal, Policy and Procedures.

What Part Will You Play?

• Thoroughly understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.)

• Applies in-depth credit knowledge with a solid understanding of industry standards and corporate operations practices.

• Independently reviews accounts as determined by review guidelines within approval authority, consistent with credit policies and guidelines.

• Verify that change request information provided and supporting documentation is correct and consistent with required standards.

• Call merchants regarding their accounts when needed to verify information.

• Uses advanced knowledge and judgment to complete more complex credit review decisions.

• Performs advanced analysis of credit reports, business and personal financials, tax returns and other similar documentation.

• Proficiency in all credit review processes and policies, and be able to communicate that knowledge verbally and in writing to other staff.

• When risk exceeds the Credit Review Analyst II approval authority, provide a write-up and recommendations to management.

• Communicate decisions effectively in both verbal and written communication.

• Properly file paperwork.

• When requested, consult with Mgt. on procedural and policy changes, concerns or clarifications.

• When requested, assist Mgt. with training and development of personnel.

• Review files from other staff for accuracy.

• Assist in audits and periodic credit reviews for management.

• Negotiate collateral or contract changes with merchants when it is determined that the original request cannot be accommodated.

• Evaluate and make recommendations to Manager and Director, and where required Corporate review on accounts beyond individual approval authority.

• Responsible for preparing large complex accounts for Corporate Credit review.

• Prepare spreadsheets and detailed written reports to be presented to management.

• Monitors chargebacks, mitigate losses, manage tight deadlines

• Take initiative to identify opportunities for process improvements

• Additional primary duties will be assigned as required

• May serve on special project resource teams as assigned.

• Maintain knowledge acquired from the credit underwriting team and demonstrate competency as it relates to knowledge of that area. May complete underwriting of net new accounts periodically to address volume peaks in Underwriting.

• Mentor lower level analysts and underwriters.

What Are We Looking For in This Role?

Minimum Qualifications

• HS Degree or equivalent

• Typically minimum 2 years relevant experience in finance/accounting, credit, risk or equivalent experience in a related field required .

• Business and consumer credit and exposure analysis skills.

• Ability to read/review/analyze personal and business financial statements, interpret credit bureau reports, analyze trade experience, tax documents, and utilize external financial resources.

• Strong analytical and process skills.

• Strong communication (written and verbal), customer service, multi-tasking skills.

Preferred Qualifications

• Bachelors Degree in Finance or related field

• In-depth credit operations knowledge, industry standards, corporate policy and operational practices.

• Previous experience with Salesforce preferred

• Advanced knowledge and judgment to complete more complex credit decisions.

• Advanced proficiency in all underwriting processes and policies, and be able to communicate that knowledge verbally and in writing to other staff.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Developing professional expertise, applies company policies and procedures to resolve a variety of issues.

• Job Complexity - Works on problems of moderate scope where analysis of situations or data requires a review of a variety of factors. Exercises judgment within defined procedures and practices to determine appropriate action. Builds productive internal/external working relationships.

• Supervision - Normally receives general instructions on routine work, detailed instructions on new projects or assignments.

Global Payments Inc. is an equal opportunity employer.

Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department.