Snr Credit Analyst - US Large Credit Risk / Merchant Underwriting

Worldpay
parental leave
United States, Ohio, Cincinnati
Oct 18, 2024
Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Senior Credit Analyst to join our ever-evolving Legal, Risk & Compliance team to help us unleash the potential of every business. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. The U.S. Large Credit team works collaboratively with merchants, 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. The primary responsibility of the Worldpay Credit team is to review larger credit risk exposure accounts to ensure the merchant's credit fundamentals are adequate in relation to the potential exposure generated from the payment processing relationship. As a Senior Credit Analyst, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate risk to Worldpay. What you'll own Role is hybrid and requires 2-3 days in office Obtains and spreads company financial statements, making adjustments as needed Performs extensive analysis on a variety of financial statements and provides proper recommendations and assessments of their credit profile Effectively evaluates complex issues, considering and prioritizing a variety of factors Establishes appropriate credit limits and collateral to minimize risk 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 Where you'll own it You'll own it in our Atlanta, GA or Cincinnati, OH office hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring The ability to go into office and work in a hybrid model Skills and expertise needed to perform the job requirements listed above, typically at least: 2-4 years of experience with analyzing and spreading a variety of financial statements Extensive experience with performing credit analysis and drafting credit memos 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 flexibility Added Bonus If You Have Knowledge of merchant acquiring services and the payment processing industry Degree in Finance, Accounting, or similar formal credit training Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. A competitive salary and benefits. Time to support charities and give back to your community. Parental leave policy. Global recognition platform. Virgin Pulse access. Global employee assistance program. What makes a Worldpayer At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team. Curious. Humble. Creative. We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers. Empowered. Accountable. Dynamic. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up. Determined. Inclusive. Open. Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives. Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career. We can't wait to hear from you. To find out more about working with us, find us on LinkedIn. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. #pridepass