Merchant Services Credit Specialist

7 days ago

Santa Barbara, California, United States PayJunction Full time
Job Description

We are seeking a highly skilled Commercial Credit Risk Analyst to join our team at PayJunction. As a key member of our Risk team, you will be responsible for reviewing and assessing the creditworthiness of potential merchant customers, ensuring that our company's growth is supported while minimizing risk effectively and efficiently.

About the Role

  • Produce detailed written summaries of risk assessments, including recommendations for credit approval.
  • Provide exceptional customer service, both via phone and email, and conduct timely follow-ups in support of efficient credit management processes.
  • Conduct thorough risk assessments to determine financial creditworthiness, supporting account exposure.
  • Perform in-depth financial statement analysis on companies, including trend and ratio analysis, utilizing financial documents such as balance sheets and income statements.
  • Assist in updating credit policy and procedures, as well as identifying and introducing innovative methods to streamline risk assessments.
  • Maintain timely and accurate reports regarding portfolio status, ensuring completion of annual reviews.
  • Conduct company, industry, and market analyses to further assess portfolio credit risk.

Requirements

  • Bachelor's degree required, with a field of study in accounting, economics, or finance preferred.
  • Minimum 4 years of experience in commercial credit analysis and underwriting in a banking, fintech, or merchant services organization.
  • Experience in independently analyzing and approving companies requesting loans, lines, exposure greater than $500,000.
  • Advanced Excel skills.
  • Comfortable generating advanced query functions and pivot tables.
  • Experience performing detailed financial analysis on companies, including ratio and trending analysis, liquidity, leverage, and similar assessments.
  • Able to identify concerns and red flags in business activity for repayment and/or processing history.
  • Experience with using Salesforce or comparable CRM tools.
  • Experience with LexisNexis, Experian, or comparable credit monitoring and compliance tools.
  • Ability to absorb and disseminate information in a timely manner.
  • Organized and efficient, with the ability to focus on key priorities.
  • Ability to listen actively and communicate effectively.

About PayJunction

PayJunction is a leading provider of payment processing solutions, processing over $12 billion annually for thousands of businesses. We value long-term relationships over short-term profits and foster a collaborative work environment where creative ideas are welcomed, teams are inspired, and success is celebrated.

Benefits

  • Health, dental, and vision paid 100% by company for you and your dependents.
  • 401k with 6% match.
  • FSA and Dependent Care FSA.
  • Long-term and short-term disability coverage for you paid 100% by company.
  • 8 paid company holidays per year.
  • 2 paid floating holidays per year.
  • 1 paid volunteer day per year.
  • Paid Time Off.
  • Home office equipment stipend.
  • Quarterly 'fun budgets' for team bonding events.
  • Opportunity to be part of a company that is changing a whole industry.
  • Opportunity for growth within the company.
  • Opportunity for remote, in-office, or hybrid work.

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