Enterprise Merchant Credit Analyst

North and our family of companies are committed to making it as easy as possible for businesses to grow through innovations in credit card processing, e-commerce, mobile payments, and more. Our mission is to be the easiest payments company to do business with.

About the role

The Enterprise Merchant Credit Analyst role underwrites and reviews merchant applications for credit card payment processing, providing additional layers of review and dissection to find approval solutions and drive increased submission volumes. This role requires strong financial analysis experience with merchants in the Payments or Commercial Banking industry.

Responsibilities

• Underwrite and review new merchant submissions, auto-approved submissions, and graduated underwriting submissions for merchant credit card payment processing service, submitted by sales partners and merchants.
• Make verbal and written recommendations to management consistent with NAB’s risk appetite.
• Provide all sales partners with a communication channel via phone support as well as an additional layer of review and discretion to find a solution for accounts that have been pended, declined, or withdrawn.
• Conduct financial analysis to provide detailed recommendations, discussion papers, and creative risk mitigation strategies, and provide solution-focused reviews for high-risk, restricted, and prohibited merchant submissions.
• Help train and develop team members, and provide guidance to lower-level team members on a day-to-day basis.
• Regularly handle high-risk/high-volume accounts, and analyze a wide variety of applicants and business types in multiple credit card processing environments, including both card-present and non-card-present applicants.

Requirements

• Bachelor’s Degree in Business, Finance, Accounting (or equivalent work experience).
• Minimum five (5) years of commercial underwriting experience or commercial risk mitigation experience in the bank card/merchant payment processing industry.
• 2 years of financial analysis experience with writing assessments.
• Must be comfortable and confident in handling a position of authority when making underwriting decisions, as well as executing accurate judgment in regards to interactions with Sales Partners and merchants over the phone and through email.
• Ability to adapt priorities for peak periods to ensure consistency of service levels for sales partners and merchants.
• Ability to work a flexible work schedule in support of departmental needs.

Skills

• CPA Credentials (Preferred)
• CPP Credential (Preferred)
• 2 Years of Sales Relationship Management Experience (Preferred)

Pay

Salary Range: $75,000–$97,000. Pay within this range varies by work location and on job-related knowledge, skills, and experience.

Benefits

• Medical, Dental, & Vision Coverage
• Flexible Paid Time Off
• 401(k) + Match
• Mental Health Support & Well-Being Program
• Paid Maternity & Paternity Leave
• Education Assistance
• Company-funded Lifestyle Spending Account