We have an exciting opening and are recruiting for an Underwriter/Credit Analyst to join our expanding regional team in UK & Ireland. Team Members are based in both Dublin & Leicester'' & replace ''Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England & Manila, Philippines)'' with ''Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England, Dublin, Ireland & Manila, Philippines)''"
Main Duties:
Underwriting of businesses applying for Card Payments facilities
Assessment / evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring
Performance of financial analysis based on financial statements and forecast
Assessment of business models in the context of due diligence and compliance with the guidelines of the payment institutions
Assess and interpret Credit Bureau Reports
Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals
Communicate with sales channels and partners regarding new applications
Proactively monitoring of the Merchant Portfolio
Verification of adherence to compliance requirements and credit guidelines
Periodic credit reviewing of the portfolio
Participation in training of partners and merchants on risk management processes
Calculation of reserves/collaterals based on credit exposure
Work in close collaboration with wider Credit Team Members in other Global Payments locations
