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Credit Analyst II / PayFac Underwriter - Cincinnati Ohio
Company: Disability Solutions Location: Cincinnati, Ohio
Posted On: 05/09/2024
Position Type : Full time Type Of Hire : Experienced (relevant combo of work and education) Education Desired : Bachelor's Degree Travel Percentage : 1 - 5%Job DescriptionAre you curious, motivated, and forward-thinking? At Worldpay you'll have the opportunity to work on some of the most challenging and relevant issues in financial services and technology. Our talented people empower us, and we believe in being part of a team that is open, collaborative, entrepreneurial, passionate and above all fun.About the Team:The North American Payment Facilitator (PayFac) Credit/Risk team works collaboratively with leading FinTech clients along with the relevant internal business development teams, relationship managers, transaction risk analysts, compliance, and legal departments to mitigate risk while supporting growth objectives. We're a diverse team with the potential to have a significant positive impact on a high growth area of the merchant services business.What You Will Be Doing: --The primary responsibility of the Worldpay Credit team is to review larger credit risk exposure accounts to ensure the client's credit fundamentals are adequate in relation to the potential exposure generated from the payment processing relationship.--As a Credit Analyst II, you will perform thorough financial analysis on prospective and current Payment Facilitators, while collaborating with internal and external partners to mitigate risk to Worldpay. - NOT REMOTE - Role is hybrid model which requires locally to Cincinnati, OH A
- Analyzing financial statements: balance sheets, income statements, statements of cashflow and auditor notes to audited financial statements.
- Reviews underwriting packages for completeness and communicates with the sales rep to obtain any missing documentation.
- Performs extensive analysis on a variety of financial statements and provides proper recommendations.
- Effectively evaluates complex issues, considering and prioritizing a variety of factors.
- Establishes appropriate credit limits and collateral.
- Communicates effectively and professionally with internal and external customers.
- Exercises sound judgment in assessing potential regulatory and reputational risks.
- Monitors and communicates credit concerns to management.What You Bring:
- The ability to go into office and work in a hybrid model.
- Extensive experience with financial analysis
- Effective communication skills and attention to detail
- Unmatched work ethic and strong sense of ownership
- Ability to creatively solve problems and achieve company objectives
- Time management and flexibilityAdded Bonus If You Have:
- Knowledge of merchant acquiring services
- Experience with Moody's Risk Analyst or equivalent financial analysis software
- Formal credit trainingWhat We Offer You:
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