Underwriter - Risk

Job Summary:

The Underwriter will work the functions of the Underwriting Team pulling underwriting and compliance documentation for UW review.  The Underwriter will effectively train and guide the underwriting team members within Talus Pay to serve a dual business purpose of onboarding new merchant accounts to meet the organization’s business growth expectations while ensuring that all merchant accounts meet the guidelines set forth by Talus Pay, its sponsor bank, processing partners, and the card brands. This position requires strict attention to detail within the merchant applications while displaying outstanding customer service when interacting with merchants. 

Duties and Responsibilities:

Assist in the day-to-day operations of the Underwriting Team, which includes but is not limited to: 

• Investigating and analyzing new merchant applications submitted by partners and sales team, while adhering to the companies SLA by ensuring all applications submitted by 2PM are decisioned same day 
• Pull underwriting and compliance documentation
• Able to read and understand credit reports
• Review a company's financial records and assessing the risk
• Oversight of Periodic Review process in conjunction with our risk team to ensure merchants hitting certain annual volume are reviewed on a quarterly or annual basis 
• Prepare and distribute daily, weekly, and monthly underwriting metrics as needed 
• Able to thoroughly review UW documents and identify potential risk 
• Assesses and apply risk parameters according to business needs
• Underwrite a minimum of 10 accounts per day, with the possibility of more as dictated by staffing levels and time of month 
• Able to work in a team environment
• Demonstrates the ability to solve critical business issues using all resources, in a faced pace atmosphere 
• Assist with projects, delegated tasks, and committees as needed 
• Must possess strong verbal and written communication skills, in a dynamic and fast-paced environment as well as be able to work independently in a professional manner
• Maintain detailed and accurate records
• Communicate with internal/external customers and across departments
• Demonstrate sound financial decision-making capabilities

Preferred Education & Experience:

• At least 1-year prior credit card acquiring/processing experience (required)
  1. Experience with working as an ISO office (preferred)
• Knowledge with “Access One” system (preferred)
• Knowledge with “Row Nets” First Data/Fiserv Platform (preferred)

Required Skills and Abilities:

• Ability to make accurate, independent decisions based on data provided 
• Ability to produce large volume of work independently, often under pressure with specific time constraints 
• Experience analyzing business and financial data
• Ability to work in a team driven environment 
• Excellent written and oral communication skills are needed 
• Strong computer literacy skills
• Strong investigative and logical skills
• Strong relationship management skills
• Quality focused with a passion for continued growth and improvement
• Bi-Lingual (Spanish) (preferred)

Schedule:

Full-Time position Monday – Friday 9:00am – 6:00 pm

 Benefits:

• Full suite of Health benefits
• 401k with Company Match
• Casual dress environment

Company Description:

Talus is a technology-driven payment processing company that puts client success above all else. While Talus stays ahead of the technology curve by providing products and services that help merchants run their business more profitably, it's the support and education our clients receive from Talus that separates Talus from the average payment processor. Recently injected with a substantial amount of investment capital, Talus is looking to go head-to-head with some of the top payment processors in the United States in areas of technology, brand recognition, and marketing. We're looking for the top 1% to help us get there.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to talk and hear. The employee is frequently required to sit for extended periods of time and tolerate unpredictable work hours. The employee is frequently required to walk; use hands and fingers to feel, handle, or operate objects, tools, or controls; and reach with hands and arms. Specific vision abilities required by this job include close vision and the ability to focus. In addition, the job requires employees to have the ability to hear and communication to customers and co-workers throughout the day for extended periods.

Mental Requirements:

The mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job; work and deadlines may impose pressure on a routine and frequent basis, substantive contacts with people in stressful situations, delicacy and unpredictability of contacts routinely may create significant/constant stress. 

 Talus Payments is an EO Employer – Veterans/Disabled and other protected categories 

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status.

This description reflects managements’ assignment of essential functions.  It does not proscribe or restrict the tasks that may be assigned.