Under the direction of the Director of Compliance, Credit Analyst II is responsible for handling credit and financial analysis related duties.
Conduct periodic credit reviews within an assigned portfolio and quantify results in a narrative format based on processing models, metrics and a detailed financial analysis resulting in verbal and written recommendations to management consistent within company risk appetite.
Perform financial analysis preparing Credit Risk Assessments and Periodic Review of existing merchants with detailed recommendations and creative risk mitigation strategies.
Analyze merchants with varying risk dependencies and credit quality associated with diverse business types and processing environments to determine potential exposure.
Execute against Credit Policy driven collateral strategies to minimize losses by implementing reserves, sourcing letters of credit and/or administering funding holds.
Communicate effectively with partner, internal departments, and management as necessary to obtain financial information or other documentation necessary to complete merchant reviews.
Review and make recommendations to update department policies and procedures based on changing industry trends or process adjustments.
Work collectively with other Department personnel for required enhanced due diligence reviews or to obtain historical data and feedback regarding assigned accounts.

High School Diploma or equivalent.
2-5 years of experience in Risk Management, Underwriting and/or Compliance within the acquiring industry.
Experience with high-risk payment processing a must.
In-depth knowledge of Excel and other similar products
Familiarity with various tools used for credit anlysis and due diligence (i.e. Equifax/Transunion, TIN Check, MATCH, GIACT, Merlink, , G2, LS, etc.) a plus.
Bachelor’s Degree, Finance, Business Administration, or similar a plus
Proficiency with Microsoft products including Microsoft Excel.
Understanding of Card Brand rules and regulations.
Understanding of various verticals and associated risks.
Working knowledge of High-Risk Integrity (“HR”) Registry
Excellent written and verbal communication skills.
Excellent time management skills.
Effective written and verbal communication skills with ability to liaise with team members and leadership of various levels.

Competitive Salary, Bonuses and Incentives.
Comprehensive employer sponsored health, vision, and dental insurance programs.
Paid time off, Paid Sick and Paid Holidays.
401K plan with up to a 4% matching contribution.
Commitment to Career Development and Advancement.
Employee Recognition Programs
Vibrant Office Culture, Team Building, Birthdays, Work Anniversaries, Snacks, and more!

Credit Analyst II

Key skills