Note: The job is a remote job and is open to candidates in USA. Maverick Payments is a family-owned and privately held full-service payment provider. The Credit Analyst II will be responsible for conducting credit and financial analysis, managing risk, and ensuring compliance with legal and regulatory requirements.

Responsibilities

• Conduct periodic credit reviews within an assigned portfolio and quantify results in a narrative format based on processing models, metrics and a detailed financial analysis resulting in verbal and written recommendations to management consistent within company risk appetite
• Perform financial analysis preparing Credit Risk Assessments and Periodic Review of existing merchants with detailed recommendations and creative risk mitigation strategies
• Analyze merchants with varying risk dependencies and credit quality associated with diverse business types and processing environments to determine potential exposure
• Execute against Credit Policy driven collateral strategies to minimize losses by implementing reserves, sourcing letters of credit and/or administering funding holds
• Communicate effectively with partner, internal departments, and management as necessary to obtain financial information or other documentation necessary to complete merchant reviews
• Review and make recommendations to update department policies and procedures based on changing industry trends or process adjustments
• Work collectively with other Department personnel for required enhanced due diligence reviews or to obtain historical data and feedback regarding assigned accounts
• Other duties may be assigned by Portfolio Management leadership

Skills

• High School Diploma or equivalent
• 2-5 years of experience in Risk Management, Underwriting and/or Compliance within the acquiring industry
• Experience with high-risk payment processing a must
• In-depth knowledge of Excel and other similar products
• Familiarity with various tools used for credit analysis and due diligence (i.e. Equifax/Transunion, TIN Check, MATCH, GIACT, Merlink, G2, LS, etc.) a plus
• Proficiency with Microsoft products including Microsoft Excel
• Understanding of Card Brand rules and regulations
• Understanding of various verticals and associated risks
• Working knowledge of High-Risk Integrity (“HR”) Registry
• Excellent written and verbal communication skills
• Excellent time management skills
• Effective written and verbal communication skills with ability to liaise with team members and leadership of various levels
• Bachelor's Degree, Finance, Business Administration, or similar a plus

Benefits

• Competitive Salary, Bonuses and Incentives.
• Comprehensive employer sponsored health, vision, and dental insurance programs.
• Paid time off, Paid Sick and Paid Holidays.
• 401K plan with up to a 4% matching contribution.
• Commitment to Career Development and Advancement.
• Employee Recognition Programs
• Vibrant Office Culture, Team Building, Birthdays, Work Anniversaries, Snacks, and more!

Company Overview