Credit Underwriter II

Propay S.A - Lindon, UT

Full-time - Entry Level

Lindon, UT

1,001-5,000 employees

Professional, Scientific, and Technical Services

About the position

Heartland, a Global Payments Company, is dedicated to facilitating seamless financial transactions for millions of people every day. Our mission is to create meaningful technology-centered experiences that empower our customers to thrive. We are looking for a dedicated individual to join our dynamic team, where you will have the opportunity to work like an entrepreneur while supporting and serving other entrepreneurs. If you are passionate about providing tangible solutions and making a difference in the lives of those you interact with, Heartland is the right place for you. In this role, you will be responsible for processing and reviewing client credit applications, making recommendations based on sound credit-granting principles, and ensuring compliance with company policies, sponsor bank regulations, and legal standards. You will interact effectively with merchants, senior underwriters, and management to ensure timely adjudication of applications while minimizing losses and assessing risks associated with fraud and other potential threats. Your responsibilities will include understanding the risks inherent in the payment processing industry, verifying the accuracy of merchant applications and supporting documentation, and applying your knowledge of fair lending issues and regulations. You will evaluate various applications to ensure compliance with laws and internal policies, interpret financial statements and tax returns, and write detailed analyses of financial health and credit findings. Additionally, you will communicate decisions clearly and effectively, both verbally and in writing, and maintain organized digital records of all paperwork. As you grow in this role, you will begin to understand niche markets and areas of expertise relevant to our platform, with additional duties assigned as necessary.

Responsibilities

• Process and review client credit applications.
• Make recommendations in accordance with credit-granting principles and compliance standards.
• Interact with merchants, Senior Underwriters, and Management for timely application adjudication.
• Verify the accuracy of merchant applications and supporting documentation.
• Call merchants to verify application information when necessary.
• Apply knowledge of fair lending issues and regulations.
• Evaluate applications for compliance with laws and underwriting policies.
• Interpret financial statements, tax returns, and similar documentation.
• Write detailed reviews and analyses of financial health and credit findings.
• Analyze credit and financial information, including consumer credit bureau reports.
• Provide recommendations on merchant applications, including approvals or declines.
• Seek alternative financing options for merchants when original requests cannot be accommodated.
• Communicate decisions effectively in both verbal and written formats.
• Digitally file paperwork and maintain organized records.
• Demonstrate good listening, interpersonal, and teamwork skills.

Requirements

• Bachelor's Degree in Finance, Accounting, or a related field, or equivalent experience.
• Minimum of 2 years relevant experience in finance/accounting, credit, risk, or a related field.
• Strong understanding of financial statements, tax returns, and related documentation.
• Ability to understand restricted industry requirements and make sound decisions.

Nice-to-haves

• Developing professional expertise in applying company policies and procedures.
• Ability to work on problems of moderate scope requiring analysis of various factors.
• Experience in building productive internal and external working relationships.

Benefits

• Equal employment opportunities without regard to race, color, religion, sex, national origin, age, disability, or veteran status.
• Commitment to creating an inclusive environment for all employees.