Credit Analyst Jobs

About The Position

Requirements

• Bachelor’s Degree in Business, Finance, Accounting (or equivalent work experience).
• Minimum five (5) years of commercial underwriting experience or commercial risk mitigation experience in the bank card/merchant payment processing industry.
• 2 Years of financial analysis experience with writing assessments.
• Must be comfortable and confident in handling a position of authority when making underwriting decisions, as well as executing accurate judgment in regards to interactions with Sales Partners and merchants over the phone and through email.
• Ability to adapt priorities for peak periods to ensure consistency of service levels for sales partners and merchants.
• Ability to work a flexible work schedule in support of departmental needs.

Nice To Haves

• CPA Credentials
• CPP Credential
• 2 Years of Sales Relationship Management Experience

Responsibilities

• Underwrite and review new merchant submissions, auto approved submissions, and graduated underwriting submissions for merchant credit card payment processing service, submitted by sales partners and merchants to NAB.
• Make verbal and written recommendations to management consistent with NAB’s risk appetite.
• Provide all sales partners with a communication channel via phone support as well as an additional layer of review and discretion to find a solution for accounts that have been pended, declined, or withdrawn.
• Conduct financial analysis to provide detailed recommendations, discussion papers, and creative risk mitigation strategies, and provide solution focused reviews for high risk, restricted, and prohibited merchant submissions.
• Help train and develop team members, and provide guidance to lower-level team members on a day to day basis.
• Regularly handle high risk/high volume accounts, and analyze a wide variety of applicants and business types in multiple credit card processing environments, including both card present and non-card present applicants.

Benefits

• Medical, Dental, & Vision Coverage
• Flexible Paid Time Off
• 401(k) + Match
• Mental Health Support & Well-Being Program
• Paid Maternity & Paternity Leave
• Education Assistance
• Company-funded Lifestyle Spending Account