Senior Credit Review Analyst
1 month ago
Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.
Summary of This Role
Analyzes credit data and financial information to determine potential risk and to be able to make informed credit decisions for deals or applications while ensuring adherence to general credit goals and strategy. Reviews portfolios to ensure quality assurance standards are being maintained while identifying and quantifying risk to mitigate exposure on all deals and clients. Prepares detailed credit analyses as needed for upper management regarding credit approvals. Explains decision and terms of approval thoroughly. Adheres to the financial plan and to the service level agreement productivity and efficiency levels.
What Part Will You Play?
Analyzes credit and risk information, such as: credit reports (both consumer and commercial), website assessment of business model, terms and conditions, legal agreements between direct and indirect customers, financial statements (historical and projections), site inspections, processing statements, background checks, various licenses and third party risk tools for Know Your Customer (KYC) purposes, legal filings (LexisNexis, Pacer), Card Scheme information (negative file info), customer’s future delivery risk reporting, etc. Renders a credit decision for small to moderately complex deals and applications to approve, decline or pend the deal. Utilizes other data sources such as FTC site, and other relevant government agencies (federal and state), public domains, social media, etc. Identifies, quantifies and mitigates risk exposure on all deals using credit policy framework, risk models, risk tables and assumptions, business terms and conditions, and relevant financial information. “Sells” the credit decision to the prospect, channel partner, sales representative and/or relationship manager after structuring the deal terms. Explains the decision and terms of approval, which may include moderately complex negotiations for reserves, collateral and other forms of security and/or protection such as funding delay, periodic financial disclosure, guarantees, letters of credit, etc. Begins to assist in the formulation and enforcement of credit policies and procedures, including risk acceptance criteria, sponsor bank policies, Card Scheme rules and regulations, and TSYS corporate policies. May also perform various operational audits, risk assessments and post mortems (forensic loss reviews) to ensure and validate compliance to policies. Prepares detailed credit analysis (executive approval/credit memos) for routing to and review by upper management so that second signatures and concurrences can be obtained. May present the explanation of the credit analysis and justification for the recommendations. Typically conducts due diligence on portfolios to be converted and/or to be acquired, identifying high risk accounts for structuring and/or accounts to be excluded from the deal.Begins to serve as a resource for less experienced credit analysts. May review and provide feedback of other's work product.
What Are We Looking For in This Role?
Minimum Qualifications
Bachelor's Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills. Typically minimum 4 years relevant experience in finance/accounting or similar position required, including a minimum of 2 years experience as a Credit Analyst.
Preferred Qualifications
None listed
What Are Our Desired Skills and Capabilities?
Skills / Knowledge - A seasoned, experienced professional with a full understanding of area of specialization; resolves a wide range of issues in creative ways. This job is the fully qualified, career-oriented, journey-level position. Job Complexity - Works on problems of diverse scope where analysis of data requires evaluation of identifiable factors. Demonstrates good judgment in selecting methods and techniques for obtaining solutions. Networks with senior internal and external personnel in own area of expertise. Supervision -Normally receives little instruction on day-to-day work, general instructions on new assignments.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. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact .
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