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Underwriter

Company: Heartland Payment Systems
Location: Lindon
Posted on: August 3, 2020

Job Description:

Summary:

The Underwriter I is responsible for processing and making credit decisions on Low to Medium Risk Applicants. Processing Applications in accordance with sound credit-granting principles and compliance with Company, Sponsor Bank and Legal, Policy and Procedures. The incumbent is responsible for effectively interacting with merchants, sales representatives, Senior Underwriters and Management to achieve timely adjudication of applications and in limiting loss and in protecting the company against fraud and other risks.

Risk Calculation Approval Limit is generally $50,000 and Volumes of up to 10 million for Underwriter I, but could be considered for opportunities with more risk or volumes.

Job Details:

Essential Duties

* Understand underwriting principles & processes, and be well versed in the processes and policies of the role.
* Read and interpret credit reports.
* Read and interpret financial statements, tax returns and other similar documentation.
* Evaluates a variety of applications and ensure compliance with laws, bank regulation, corporate and divisional underwriting policies, procedures and standards.
* Analyzes all pertinent credit and financial information, and demonstrates aptitude to interpret and evaluate consumer credit bureau reports, other reporting services, public records and bank files.
* Learns, Maintains and applies knowledge of fair lending issues, rules and various internal and external policies and regulations that directly impact the line of business.
* Underwrite all new applications consistent with approved underwriting policies and guidelines.
* Verify all information provided on the merchant application and supporting documentation is correct and consistent with required standards.
* Provide recommendations (approval, credit holds or declines etc.) on merchant applications and identify, document and escalate to management those deals that are over an Underwriter 1 approval authority as defined by policy.
* Call merchants regarding their applications when needed to verify information.
* Communicate decisions effectively in both verbal and written communication.
* Understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.)
* Demonstrate good listening, interpersonal and team working skills.
* Work with Sr. Underwriters to seek alternative means of financing or counter offers for all merchant/clients when it is determined that the original request cannot be accommodated.
* Additional primary duties will be assigned as required

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of responsibilities, duties and skills required.

Required Qualifications

* 1-3 years related experience and/or training; or equivalent combination of education and experience in a related field (Collections, Account, Underwriting, Credit Banking, Finance, Mortgage, Etc.).
* Good interpersonal and team work skills, must have ability to work with individuals from diverse cultural backgrounds and maintains cordial and effective relationship with clients, coworkers, and other business contacts.
* Strong attention to detail.
* Strong analytical skills.
* Good time management and organizational skills.
* Strong written and verbal communication skills.
* Ability to make decisions independently and work well as part of a team.
* Ability to function effectively in a fast-paced environment with multiple priorities.
* Ability to accurately represent facts, offer solutions, identify concerns, resolve issues and support decisions.
* Good working knowledge of office tools such as Google tools, Email, Windows applications, Excel and Word and General Personal Computing tools.
* Ownership and accountability for personal performance and development.
* Previous knowledge of payment processing industry preferred.


* Previous experience with Salesforce preferred


* Working knowledge of business financial statement analysis and review of tax returns preferred.


* Working knowledge of credit policies, procedures, principles and philosophy preferred.



Want to join a company ranked as one of Forbe's best Employers in the world in 2019? Do you like serving customers and care about people? Then look no further than Global Payments' OpenEdge. Global Payments' OpenEdge received the esteemed recognition of J.D. Power for Outstanding Customer Experience.Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to our customers globally. We're looking for a Credit Underwriter to join our OpenEdge Team in Lindon Utah, who is excited about providing quality service to our clients. As a Credit Underwriter, you'll be responsible for processing and making sound credit decisions on Risk Applications. As an OpenEdge Global Payments Team Member, you can enjoy a collaborative team oriented environment.

Global Payments Inc. is an equal opportunity employer.

Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department.

Keywords: Heartland Payment Systems, Salt Lake City , Underwriter, Accounting, Auditing , Lindon, Utah

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