Senior Credit Analyst

Upgrade•Atlanta, GA

5h•Hybrid

About The Position

We're looking for a Senior Credit Analyst that will ensure high risk reviews and merchant applications meet verification and program guidelines. This role requires a detailed-oriented individual with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience.

Requirements

4+ years of business or merchant underwriting experience
2+ years experience in a payments, financial services or related industry
Ability to proficiently analyze financial information and identify concerning trends
Team player mentality with a high level of integrity
Ability to thrive in a changing and fast-paced environment
Detail-oriented with excellent verbal and written communication skills
Proficiency with Google Sheets, Tableau

Responsibilities

Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders
Ensure strict adherence to company policies and procedures, Federal and State regulations, and laws.
Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC) and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities.
Read and interpret commercial credit reports to assess merchant risk profiles
Analyze business financial statements including balance, income statement and cash flow.
Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc.
Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality—including leveraging AI-driven strategies in the application review process.
Bring a flexible mindset – you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work.