Credit Underwriter Senior (Fintech)

TL;DR

Credit Underwriter Senior (Fintech): Reviewing and analyzing large credit risk exposure accounts for merchants with an accent on financial statement analysis and credit profile assessment. Focus on establishing appropriate credit limits and collateral to mitigate risk for a global payments leader.

Location: Hybrid (Cincinnati or Atlanta, US); requires 2-3 days in office.

Company

hirify.global is one of the world's largest payment processing companies, facilitating global commerce through scalable financial technology.

What you will do

• Perform extensive analysis of financial statements to assess credit profiles and recommend exposure limits.
• Evaluate complex business arrangements and conduct deep-dive research into merchant operations.
• Recommend and establish appropriate credit limits and collateral to minimize financial risk.
• Collaborate with merchants, business development, relationship managers, and legal departments to support growth.
• Monitor and communicate credit concerns, including regulatory and reputational risks, to management.

Requirements

• 5-8 years of experience in analyzing financial statements, performing credit analysis, and drafting credit memos.
• Must be based in the US (Cincinnati or Atlanta) to accommodate the hybrid work model.
• Strong judgment, decision-making skills, and high attention to detail.
• Ability to work independently, multitask, and take full ownership of assigned accounts.

Nice to have

• Degree in Finance, Accounting, or similar formal credit training.
• Knowledge of merchant acquiring services and the payment processing industry.

Culture & Benefits

• Comprehensive medical coverage for employees and their families.
• Eligibility for bonuses and equity awards based on performance and impact.
• Annual Wellness Week featuring an extra paid day off for mental wellbeing.
• Standard paid time off and public holidays.
• Inclusive environment with dedicated family inclusion communities.

Hiring process

• Initial application submission with a resume and cover letter.
• Application review for team and culture fit.
• One or more interviews with team members to discuss skills and career aspirations.
• Offer and onboarding process including a background check and drug test.