Credit Coordinator

Huntington National Bank•Hagerstown, MD

12d•Onsite

About The Position

The Credit Coordinator supports the Merchant Services Risk & Underwriting team by conducting credit and due diligence reviews of new and existing merchant applicants. The role assists in evaluating financial, operational, and compliance risks to ensure merchant accounts meet internal policy, card network, and regulatory requirements. The candidate will work with customers and sales teams to source documents and information to assist in the maximizing of approvals for Merchant Services accounts.

Requirements

Bachelors degree
At least 5 years of experience in credit analysis, underwriting, fraud investigations, banking, payments, or financial services.
Applicants must be currently authorized to work in the United States on a full-time basis.

Nice To Haves

Coursework or experience involving financial statement analysis, lending, accounting, or risk assessment is preferred.
Strong analytical and problem-solving abilities.
Basic understanding of Know Your Customer rules, financial statements, credit reports, and business cash flow analysis.
Excellent written and verbal communication skills.
Strong organizational skills with attention to detail.
Proficiency in Microsoft Excel, Word, and Outlook.
Ability to manage multiple priorities in a fast-paced environment.
Demonstrated ability to exercise sound judgment and maintain confidentiality.
Knowledge of Merchant Services, payment processing, or risk management principles is a plus.

Responsibilities

Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.
Verify merchant legitimacy through Know Your Customer (KYC), ownership verification, website reviews, industry research, and other due diligence activities.
Obtaining documentation from the applicants as needed.
Gather and Analyze financial statements, tax returns, bank statements, and processing projections to identify potential credit and fraud risks.
Document investigative findings and prepare concise risk summaries and recommendations for underwriters and risk managers.
Monitor application workflow queues and ensure timely follow-up on outstanding documentation and merchant inquiries.
Collaborate with Sales, Operations, Fraud, Compliance, Funding, and external partners to resolve underwriting concerns and support risk mitigation efforts.
Maintain compliance with card network rules, Bank policies, AML/BSA requirements, and Merchant Services underwriting procedures.
Other duties as assigned