Credit Analyst

What will you do :

• Conduct underwriting of new retail relationships for all entity types
• Conduct periodic annual reviews of all retail entities
• Monitor relationships for the presence of reputational and other risks
• Ensure partner compliance with Credit Policy and Retail ISO Program Standards
• Annual and ongoing audit of the Periodic Review, Registration, ISO, and Integrated Partners databases to ensure that all active entities are registered and in a review cycle
• Manage removal of Inactive User IDs and provide backup for the creation of new User IDs for MAI, CARS, and IDS (Integrated Dispute System) systems
• Provide on demand MATCH diligence searches and review for Card Compliance as needed
• Manage, update, and upload monthly Retail ISO OFAC files for consistent screening
• Manage Monthly Retail ISO Alerts for variances in portfolio composition and chargeback levels

Experience you'll need to have:

• 3+ years of experience in credit risk, underwriting, merchant processing, financial services, or a related risk evaluation environment and reviewing individual and business credit reports and applying findings to risk-based decisions
• Experience working in a client-facing role with sales partners, merchants, processors, or similar external stakeholders
• Experience using Microsoft Office Suite to document reviews, manage workflows, and communicate findings
• Ability to assess application quality, interpret supporting documentation, and use third-party verification tools to evaluate business legitimacy and credit exposure
• Bachelor's Degree in finance, business, accounting, economics, or a related field, or equivalent combination of education, related experience and/or military experience

Experience that would be great to have:

• Experience in the merchant processing industry
• Knowledge of card brand rules and regulations
• Experience supporting underwriting workflows tied to service level agreement (SLA) performance
• Experience evaluating small business or merchant application documentation