Credit Review Analyst I

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.

***This is an on-site role based at our facility in Jeffersonville, IN

Hybrid Schedule

$45,760-$50,000/YR

Full benefits starting day 1

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?

• Understand the company underwriting/Credit Review policies and guidelines.
• Prepare spreadsheets and detailed written reports to be presented to management.
• Monitors chargebacks
• Analyzes all pertinent credit and financial information, and demonstrates aptitude to interpret and evaluate consumer credit bureau reports, merchant financial statements, other reporting services, public records and bank files.
• Call merchants regarding their accounts when needed to address questions or concerns.
• Demonstrate good listening, interpersonal and team working skills.
• Learns, maintains and applies knowledge of fair lending issues, rules and various internal and external policies and regulations that directly impact the line of business.
• Review and monitoring of merchant accounts as necessary based on risk, underwriting guidelines, and credit worthiness.
• Verify that change request information provided and supporting documentation is correct and consistent with required standards.
• Review Accounts for any Fraudulent or suspicious activity. Through web crawling, ad hoc, and other internally prepared reporting, identify, evaluate and make recommendations to Credit Management team and Senior Management on accounts causing concern of reputational or financial risk to the organization.
• Perform financial statement and industry comparative analysis on potential multi-million dollar merchants.
• Communicate decisions effectively in both verbal and written communication.
• Work with Sr. Credit Review Analyst to seek alternative means of financing or counter offers for all merchants when it is determined that the original request cannot be accommodated.
• Properly file paperwork.
• Additional primary duties will be assigned as required
• Complete portfolio reviews for high risk industries by requesting/reviewing various formats of financial statements, determining financial risk, obtaining collateral, continuous monitoring of existing merchant relationships, etc.
• Understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.)
• Present findings and make recommendations (approval, or declines etc.) to Sr Analysts and Credit Management on merchant requests that exceed your Risk Approval Limit.
• Mitigate losses
• Complete cross training with, and or 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.

What Are We Looking For in This Role?

Minimum Qualifications

• Strong analytical and process skills.
• Strong communication (written and verbal), customer service, multi-tasking 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.
• Typically no related experience required
• Business and consumer credit and exposure analysis skills.
• 1-2 years related experience and/or training; or equivalent combination of education and experience in a related field (Collections, Accounting, Underwriting, Credit Banking, Finance, Mortgage, Etc.).

Preferred Qualifications

• In-depth credit operations knowledge, industry standards, corporate policy and operational practices.
• Previous experience with Salesforce preferred
• Proficiency in all underwriting and risk assessment processes and policies, and ability to communicate that knowledge verbally and in writing to other staff.
• Advanced knowledge and judgment to complete more complex credit decisions.

What Are Our Desired Skills and Capabilities?

• Supervision - Normally receives detailed instructions on all work.
• Job Complexity - Works on problems of limited scope. Follows standard practices and procedures in analyzing situations or data from which answers can be readily obtained. Builds stable working relationships internally.
• Skills / Knowledge - Learns to use professional concepts. Applies company policies and procedures to resolve routine issues.

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.