Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million).
Conduct in-depth risk assessments, including evaluation of financial statements, payment flows, transaction structures, and overall counterparty risk.
Participate in overall portfolio monitoring, including quarterly risk assessments, asset quality reviews.
Monitor approved credit exposures, proactively identifying and escalating potential issues or deteriorating credit quality.
Stay current with industry trends, regulatory developments, and best practices related to payments products and credit risk management.

Bachelor’s degree in Finance, Accounting, Business, or a related field;
Minimum of 5 years’ experience in commercial credit underwriting, credit approval or other risk area, with a background in payments or transaction banking products preferred.
Demonstrated experience in evaluating or adjudicating high-value and higher-risk credit exposures.
Excellent analytical, communication, and decision-making skills.
Strong understanding of regulatory requirements and industry best practices in payments and credit risk.

Senior Credit Officer, Payments

Key skills