Payments Underwriting Specialist

Tekmetric•Houston, TX

1d•Hybrid

About The Position

As a Payments Underwriting Specialist, you will be the primary gatekeeper of our payment ecosystem, evaluating the creditworthiness of diverse businesses across both card-present and digital environments. You’ll leverage deep financial analysis and cross-departmental collaboration to approve new accounts while proactively monitoring our portfolio to mitigate fraud and risk.

Requirements

Minimum two years of experience in an underwriting environment, with direct experience in credit card processing required
Excellent organizational skills
Excellent analytical skills
Excellent oral and written communication skills
Extensive experience reviewing and analyzing individual and company financial data

Nice To Haves

Direct experience with Stripe is considered a plus

Responsibilities

Analyze various applicants and business types in multiple credit card processing environments, both card-present and non-card-present.
Request and obtain information and additional information from the necessary parties to complete the credit review process
Determine creditworthiness for small to large merchants, both new and established.
Handle a wide range of lending amounts, including standard and non-standard documentation.
Comprehensive review and analysis of individual and company reports, including Experian, Equifax, Dunn and Bradstreet, Lexis-Nexis, Tax Returns, Financial statements, etc.
Communicate confidently and effectively with merchants AND sales representatives as needed to obtain updated financial information or any other documentation needed.
Maintain and monitor the portfolio of merchants through monthly reports and evaluate/manage risk to identify suspicious merchant activity and mitigate fraudulent behavior and charges.
Work with department personnel to obtain historical data and feedback for the previous 12 months' account performance.
Recommend and develop enhancements, sources, and resources to assist in the credit review process.
Communicate effectively with internal company departments and multiple levels of management.
Be prepared to address production overflow, short staffing, or special projects.

Benefits

Enjoy the flexibility of remote work
Competitive base salaries that reflect your value.
Generous Paid Time Off, because we know you do your best work when you're well-rested.
Support for every stage of life—with paid maternity, parental bonding, and medical leave for you or your loved ones.
Comprehensive health benefits, including Medical, Dental, Vision, and Prescription coverage. For employee only, we offer plans that cover 100% of premiums and we cover 50% of costs for families.
Prioritizing your mental health: get free, confidential counseling through our partnership with BetterHelp.
401(k) Retirement Savings Plan with 100% employer match on contributions up to 6% - so your future self will thank you.
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) to make your money go further.
Life and Accidental Death & Dismemberment (AD&D) Insurance for added peace of mind.
Wellness on your terms: get up to $60/month toward fitness, mental health, or almost anything that helps you feel your best.
After one year of employment, enjoy a $300 home office setup bonus to help make your space work for you.
Keep growing with support for continuing education - we’re invested in your development.
Most importantly, we have a stellar team of coworkers, a really cool office, and lots of fun activities!