Description We have an exciting opening and are recruiting for an Underwriter/Credit Analyst to join our expanding regional team in UK & Ireland. Team Members are based in both Dublin & Leicester'' & replace ''Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England & Manila, Philippines)'' with ''Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England, Dublin, Ireland & Manila, Philippines)''"Main Duties:
* Underwriting of businesses applying for Card Payments facilities
* Assessment / evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring
* Performance of financial analysis based on financial statements and forecast
* Assessment of business models in the context of due diligence and compliance with the guidelines of the payment institutions
* Assess and interpret Credit Bureau Reports
* Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
* In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals
* Communicate with sales channels and partners regarding new applications
* Proactively monitoring of the Merchant Portfolio
* Verification of adherence to compliance requirements and credit guidelines
* Periodic credit reviewing of the portfolio
* Participation in training of partners and merchants on risk management processes
* Calculation of reserves/collaterals based on credit exposure
* Work in close collaboration with wider Credit Team Members in other Global Payments locations