Credit Underwriter II

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services.  Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results.  We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions.  Join our dynamic team and make your mark on the payments technology landscape of tomorrow. 

Summary Of This Role

The Underwriter  II will provide timely and unparalleled excellence in processing and evaluating merchant applications for new applications and existing merchants; while maintaining optimum safety and profitability of the portfolio

What Part Will You Play?

• Primarily focus in low to medium risk merchant applications.
• Make credit decision on new merchant accounts up to approval risk limits based on credit policy and credit worthiness of the business and/or the owners/principals
• Evaluate and make recommendations to Senior Underwriter, Lead Underwriter, Underwriting Manager and Senior Management on accounts beyond individual approval authority level.
• Perform financial statement and industry comparative analysis on potential high volume merchants as well as high risk merchant as required by credit policy and Senior Underwriter / Lead Underwriter or Underwriting Manager. (for new applications and existing merchants).
• Ensure that department productivity goals and objectives are met on a daily basis.
• Minimize liability risk to Company through sound credit decisions
• Complete all departmental special assignments in a timely manner
• Refer existing high-risk merchants to Credit Review with recommended actions.
• Provide high level of customer service to prospective merchants, sales representatives and internal company employees.
• Handle priority items and special projects as assigned by Senior Underwriter / Lead Underwriter or Underwriting Manager.
• Other duties that may be assigned from time to time to ensure the smooth operation of the Department including special assignments.
• Verify all information provided on the merchant application and supporting documentation is correct and consistent with required standards.
• Call merchants regarding their applications when needed to verify information. 
• Evaluates a variety of applications and ensures compliance with laws, bank regulation, corporate and divisional underwriting policies, procedures and standards.  
• Analyzes all pertinent credit and financial information, and demonstrates aptitude to interpret and evaluate consumer credit bureau reports, other reporting services, public records and bank files.
• Communicate decisions effectively in both verbal and written communication. 

• Properly File Paperwork.

• Demonstrate good listening, interpersonal and team working skills. 

What Are We Looking For In This Role?

Minimum Qualifications

• Bachelor's Degree in Finance or Accounting or combination of a related degree and experience (Collections, Accounting, Underwriting, Credit Banking, Finance, Mortgage, Etc.)
• Typically minimum 1-2 years relevant experience in finance/accounting, credit, risk or equivalent experience in a related field required.
• Competency reading credit reports and business financial statements.
• The ability to understand credit card payment processing industry requirements and make sound decisions.
• Ability to complete assigned tasks, within tight deadlines and little supervision
• Ability to communicate effectively, both verbally and in writing.
• Ability to work in team driven environment while working independently to complete daily tasks
• Proficiency with computer programs used for daily work (MS Office, Google Workspace)
• Team Player and positive-attitude driven with great collaboration skills.

Preferred Qualifications

• Previous knowledge of the payment processing industry is preferred.
• Bilingual (English and Spanish)

Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact jobs@globalpay.com.