At a Glance
- Tasks: Evaluate business models and assess credit risks for card payment applications.
- Company: Join a dynamic team at a leading financial services company in the UK & Ireland.
- Benefits: Full-time role with competitive salary, career growth, and collaborative work environment.
- Other info: Work closely with global teams and gain valuable industry insights.
- Why this job: Make a real impact by helping businesses thrive through smart credit decisions.
- Qualifications: Analytical skills and a passion for finance; no prior experience required.
The predicted salary is between 36000 - 60000 £ per year.
Description
We have an exciting opening and are recruiting for an Underwriter/Credit Analyst to join our expanding regional team in UK & Ireland. Team Members are based in both Dublin & Leicester. Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England, Dublin, Ireland & Manila, Philippines).
Main Duties
- Underwriting of businesses applying for Card Payments facilities
- Assessment / evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring
- Performance of financial analysis based on financial statements and forecast
- Assessment of business models in the context of due diligence and compliance with the guidelines of the payment institutions
- Assess and interpret Credit Bureau Reports
- Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
- In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals
- Communicate with sales channels and partners regarding new applications
- Proactively monitoring of the Merchant Portfolio
- Verification of adherence to compliance requirements and credit guidelines
- Periodic credit reviewing of the portfolio
- Participation in training of partners and merchants on risk management processes
- Calculation of reserves/collaterals based on credit exposure
- Work in close collaboration with wider Credit Team Members in other Global Payments locations
Seniority level
- Entry level
Employment type
- Full-time
Job function
- Finance and Sales
Industries
- Financial Services and IT Services and IT Consulting
Credit Analyst/Underwriter in Leicester employer: Global Payments Inc.
Join our dynamic team as a Credit Analyst/Underwriter and experience a supportive work culture that prioritises collaboration and professional growth. With opportunities for training and development, you will thrive in an environment that values your contributions while working alongside talented colleagues in both Dublin and Leicester. Enjoy the unique advantage of being part of a global network, where your role directly impacts the success of businesses across the UK and Ireland.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst/Underwriter in Leicester
✨Tip Number 1
Network like a pro! Reach out to current employees in the company or industry on LinkedIn. A friendly chat can give us insights into the role and might even lead to a referral!
✨Tip Number 2
Prepare for the interview by practising common questions related to credit analysis and underwriting. We should also be ready to discuss our understanding of risk management processes and compliance requirements.
✨Tip Number 3
Showcase our analytical skills during the interview. Bring examples of how we've assessed business models or performed financial analysis in the past. This will help us stand out as a candidate who understands the role.
✨Tip Number 4
Don’t forget to follow up after the interview! A quick thank-you email can keep us fresh in their minds and show our enthusiasm for the position. Plus, it’s a great way to reiterate our interest in joining the team.
We think you need these skills to ace Credit Analyst/Underwriter in Leicester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Analyst/Underwriter role. Highlight relevant experience and skills that match the job description, especially in financial analysis and risk assessment. We want to see how you can contribute to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background aligns with our needs. Be sure to mention your understanding of card payments and compliance, as these are key for us.
Showcase Your Analytical Skills:As a Credit Analyst/Underwriter, analytical skills are crucial. In your application, provide examples of how you've successfully assessed business models or performed financial analyses in the past. We love seeing real-world applications of your skills!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Global Payments Inc.
✨Know Your Numbers
As a Credit Analyst/Underwriter, you'll be dealing with financial statements and forecasts. Brush up on your financial analysis skills and be ready to discuss how you assess business models and interpret credit reports. Being able to articulate your thought process will impress the interviewers.
✨Understand the Risk Landscape
Familiarise yourself with the inherent risks related to card acceptance in various environments like POS, MOTO, and ECOM. Be prepared to discuss how you would evaluate these risks and what factors you consider when approving merchant applications. This shows that you’re proactive and knowledgeable.
✨Communication is Key
You'll need to communicate effectively with sales channels and partners. Think of examples where you've successfully collaborated with others or resolved conflicts. Highlighting your communication skills will demonstrate that you can work well within the wider Credit Team.
✨Stay Updated on Compliance
Compliance is crucial in this role. Make sure you understand the guidelines of payment institutions and the importance of adhering to them. Bring up any relevant experiences you have with compliance processes, as this will show your commitment to maintaining standards in your work.
