Credit Analyst

2 weeks ago

Buena Park, United States Ria Financial Full time
Job Description

The Credit Analyst is a key member of our financial team, playing a critical role in assessing and managing the creditworthiness of potential agents. This position is primarily responsible for conducting and coordinating the comprehensive underwriting process required for agent onboarding, ensuring a thorough evaluation from both credit and risk management perspectives. The Credit Analyst will work closely with various departments, including Finance Operations (Accounts Receivable, Back Office) and Sales, to facilitate seamless and efficient onboarding processes.

Responsibilities

Credit Underwriting Process:
  • Reviews and makes decisions on incoming Preliminary Qualifications (PQs) from the Sales team based on the outcomes of the credit underwriting process.
  • Sets credit limits and conditions for approved applications.
  • Requests additional credit support and/or documentation if necessary.
Escalation Reviews:
  • Provides second-level reviews for cases initially declined by other Credit Analysts.
  • Conducts credit reviews for agents with payment issues escalated by Accounts Receivable (A/R).
  • Reviews cases for dormant agents seeking reactivation.
  • Reviews reactivation requests for agents who were previously in collections but are now current.
Other Duties:
  • Collaborates closely with the team to coordinate activities for successfully processing all applications in the queue.
  • Assists with decision support regarding Preliminary Qualifications (PQs), Change of Ownerships (COOs), and updates.
  • Provides training to new hires, when applicable.
Qualifications
  • 1-2 years of relevant experience
  • Ability to meet deadlines
  • Manage multiple tasks
  • Work autonomously in a creative and dynamic environment
  • Excellent oral and written communication skills
  • Interact effectively and tactfully with all levels of management
  • Strong problem solver
  • Demonstrates initiative
  • Prior experience with credit underwriting a plus
  • Bachelor's degree preferred. Fields of interest include Accounting, Finance, Economics, Business, or a related field.
  • Licenses or Certificates preferred

Benefits: Our package includes medical, dental, vision insurance, 401K, employee stock options, paid time off, HSA/FSA, short-term/long-term disability, tuition assistance, growth opportunities, and much more.

Salary: The base range in for this position is $20.67-$25.00 per hour. Actual starting compensation may vary based on geographic location, work experience, and skills.

About Us

We're Ria Money Transfer

A subsidiary of Euronet Worldwide, Inc. (NASDAQ: EEFT), Ria is a leading expert in cross-border payments that delivers innovative financial services including fast, secure, and affordable international money transfers. With the second most extensive cash settlement network and the largest direct bank deposit network in the world, Ria gets money to where it matters. We're focused on harnessing technology and, as part of Euronet Worldwide, we provide a suite of state-of-the-art fintech products and services that bridge the gap between digital and physical transactions. Our omnichannel products and services, provide unprecedented choice to our customers and growth opportunities for our partners.

With presence in more than 160 countries, and more than 490,000 locations worldwide, we're committed to helping millions of people send money home to their loved ones around the world, knowing that our customers deserve much more than just a fair price: they deserve empathy, hope, and ultimately respect. Join us in our mission to open ways for a better everyday life.

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