Credit Underwriter – Mid-Market/Enterprise

Visa • Lehi, UT

7d • Hybrid

About The Position

The Credit Underwriter selected for this role will become an expert on all aspects of our Bundled Acquiring services and engage cross functionally as a “go-to person”.

Requirements

• 2 or more years of work experience with a Bachelor’s Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)
• 3 or more years’ experience with credit underwriting
• Bachelor’s degree in finance, Economics or Accounting (or 5 years of relevant experience)
• Expert knowledge and experience with financial analysis, including the ability to review and understand financial statements of both small- and large-sized companies which encompass financial modeling and calculation of key ratios
• Excellent quantitative and Excel skills
• Comfortable with and influential on outbound calls and in engaging with internal and external parties at all levels of an organization
• Strong written and verbal communication skills

Nice To Haves

• 3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD)
• Previous experience with Merchant Acquiring or Credit Card processing is a plus
• Signing authority over risk exposure commensurate with job level and product offering

Responsibilities

• Applying appropriate underwriting criteria to prospective merchant applications in accordance with credit policy to ensure financial exposure is appropriately mitigated
• Support overall business needs by ensuring Underwriting group makes quality credit decisions within published SLAs
• Underwrite merchants for both our Enterprise and Small Business platforms
• Team with Sales and Acquiring Partners in order to provide a seamless experience to prospective merchants
• Perform periodic reviews of existing merchants in an effort to manage overall risk
• Work with Sales and Account Management on quantitative and qualitative understanding of merchant’s acceptance costs and processing effectiveness
• Take an active role within CyberSource to identify and recommend for approval process/policy changes to make the group more effective
• Contribute, as needed, to ongoing projects for the Bundled Acquiring Group
• This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Benefits

• Medical
• Dental
• Vision
• 401 (k)
• FSA/HSA
• Life Insurance
• Paid Time Off
• Wellness Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level