Sr Analyst, Credit Underwriting

Conduct timely assessments of merchant credit risk throughout the merchant life cycle Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health Estimate financial exposure and recommend risk mitigation measures where necessary Communicate risk insights and recommendations effectively with cross-functional stakeholders Maintain accurate documentation and audit trails of underwriting assessments Monitor portfolio segments and track seller performance to identify risks and opportunities Stay current on industry trends and credit risk best practices to inform decision-making Facilitate or participate in special assignments and projects to support business initiatives Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting. Estimate potential financial exposures and determine the need for risk mitigation measures. Perform thorough analyses of high-risk customer segments and potential AML, financial crime, and suspicious activities across multiple jurisdictions. Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts, and Customer Identification Program (CIP) requirements. Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines. Apply analytic techniques to complex information sets to make logical and supported recommendations. Exercise good judgment in making decisions or recommendations related to case investigations. Document findings in narrative format within the case management system and prepare reports for management. Ensure high-quality reviews and maintain performance in the Quality Control Program. Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders. Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement. 3+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience. A Bachelor's degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience. Relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence. Proven ability to analyze large amounts of data to report critical information. Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels. Ability to work efficiently with an attention to detail in investigations, analysis, and writing. Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints. Ability to directly communicate with internal and external stakeholders professionally and effectively. Proficient (both written and spoken) in English. High level of professionalism, self-motivation, and sense of urgency.