US Large Credit Risk / Merchant Underwriting - Snr Credit Analyst

Company Description

Job Description

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Job Description

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 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.

What You Will Be Doing

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 Credit Analyst II, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate risk to Worldpay.

·        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

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

What We Offer You

·        A multifaceted job with a high degree of responsibility and a broad spectrum of opportunities

·        The chance to work on some of the most challenging, relevant issues in financial services & technology

·        A work environment built on collaboration, flexibility and respect

·        A competitive salary and benefits

·        A fantastic range of benefits designed to help support your lifestyle and well being

Privacy Statement

FIS 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 FIS protects personal information online, please see the Online Privacy Notice.

EEOC Statement

FIS 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 FIS works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. FIS 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.

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