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About the Role
As a Senior Underwriter, you will independently evaluate and manage the risk associated with large, complex merchant accounts through in-depth analysis of financial statements, banking data, processing history, credit reports, and other relevant information. You will exercise independent judgment in assessing complex or non-standard risk scenarios, determining appropriate underwriting strategies and controls, and applying Card Brand underwriting requirements across a variety of processing relationships, including merchants, payment facilitators, and marketplaces.
Responsibilities
- Own and manage the end-to-end underwriting and credit process for large, complex merchant accounts, exercising independent judgment to make or recommend risk-based decisions within delegated authority.
- Evaluate overall merchant risk by analyzing business models, transaction volumes, processing structures, financial statements, banking data, processing history, and credit information, including weighing conflicting or incomplete information and assessing potential financial, operational, and regulatory exposure.
- Interpret and apply Card Brand requirements and company policies across Merchant, Payment Facilitator, and Marketplace models, using independent judgment to address complex or non-standard situations and determine appropriate underwriting approaches.
- Determine and negotiate appropriate approval structures and risk mitigants, including reserves, ACH delays, and other conditions, while balancing risk exposure, organizational risk appetite, and business objectives.
- Serve as a subject-matter expert by providing guidance to management, sales partners, and junior underwriters on complex credit and risk matters, identifying emerging risks, and contributing to the continuous improvement of underwriting practices and processes.
- Identify, investigate, and mitigate potential fraud by analyzing trends, transaction activity, business information, and documentation; recognizing sophisticated or potentially altered documents; and determining appropriate verification, investigative, or third-party resources to confirm or rule out suspected fraud.
Requirements
- Bachelor’s degree or equivalent combination of education and experience, with 5+ years of relevant underwriting, credit, risk, payments, or financial services experience.
- Experience interpreting and applying underwriting policies, Card Brand requirements, and risk-management standards to complex and non-standard situations.
- Demonstrated ability to analyze complex financial, credit, operational, and transactional information, evaluate alternatives, and exercise sound independent judgment in making risk-based recommendations and decisions.
- Ability to assess significant financial and operational risk, balance competing business considerations, and determine an appropriate course of action within established authority and risk parameters.
- Ability to negotiate and structure risk-mitigation solutions, including reserves, ACH delays, and other appropriate controls based on the underlying risk.
- Ability to provide expert guidance and recommendations to management and business partners regarding complex credit, underwriting, and risk matters.
- Ability to work independently with limited supervision and manage complex assignments with significant potential impact to the organization’s risk exposure.
- Demonstrated experience identifying fraud trends and sophisticated fraud indicators through analysis of financial, transactional, and business data, with strong judgment in determining appropriate verification methods, investigative resources, and risk mitigants to identify or rule out potential fraud.
- Strong communication, interpersonal, organizational, problem-solving, and leadership skills.
- Ability to effectively manage priorities and make sound decisions in a fast-paced environment.
- Strong knowledge of the payments, merchant acquiring, credit, or financial services industry.
- Banking and/or credit card issuing experience preferred.
- Excellent management, communication, interpersonal, organizational and leadership skills.
- Ability to communicate effectively both written and verbal.
- Attention to detail.
- Excellent organizational skills.
- Ability to work in a fast paced environment.
- Industry knowledge.
Skills
- Underwriting
- Credit analysis
- Risk management
- Financial statement analysis
- Banking data analysis
- Processing history analysis
- Credit reporting
- Card Brand requirements interpretation
- Payment facilitator underwriting
- Marketplace underwriting
- Financial spreading
- Credit package preparation
- Risk mitigation strategy development
- ACH delay negotiation
- Reserve negotiation
- Fraud trend analysis
- Communication skills
- Interpersonal skills
- Organizational skills
- Problem-solving skills
- Leadership skills
- Priority management
- Decision making
- Payments industry knowledge
- Merchant acquiring knowledge
- Financial services industry knowledge
Location
- Remote
Work Type
- Remote
- Full-time
Experience Level
- Senior
- 5+ years
Education Level
- Bachelor's degree or equivalent combination of education and experience
Salary/Compensations
- $75k - $102k
Benefits
- Bonus programs
- 401(k) match
- HSA and FSA options
- Financial wellness resources and employee discount programs
- Medical, dental, and vision coverage
- Mental health support for employees and dependents through Lyra Health
- Family planning and women’s health benefits through Carrot
- Gym membership reimbursement and virtual wellness programs (including yoga)
- 3 weeks PTO to start, with unlimited PTO after year one
- Education expense reimbursement
- Leadership development programs
- Certified Payments Professional (CPP) certification support
About the Company
- Priority Commerce is a leading financial technology company on a mission to deliver a personalized, easy-to-adopt financial toolset that accelerates cash flow and optimizes working capital for businesses.
- Our vision is to eliminate the barriers to unlocking revenue - empowering businesses to grow faster and operate smarter.
- We achieve this through the Priority Commerce Engine, an innovative platform that combines payables, acquiring, and banking and treasury solutions.
- This unified approach allows businesses to streamline financial operations, reduce unnecessary costs, and uncover new revenue opportunities.
- At Priority Commerce, we're driven by results. We expect our people to be known for results - bringing expertise, momentum, and relentless focus to every challenge, helping our clients and each other thrive.