Credit Analyst II

🕒 5 days ago

🏄 California – Remote

🏄 California – Remote

💵 $35 - $40 / hour

⏰ Full Time

🟢 Junior

🟡 Mid-level

🧐 Analyst

🚫👨‍🎓 No degree required

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Maverick Payments

WebsiteLinkedInAll Job Openings

51 - 200 employees

💼 Consulting

📦 Logistics

💳 Fintech

Consulting • Logistics • Fintech

Maverick Payments is a full-service payment processor offering technology-driven payment solutions. Specializing in both online and in-person payment processing, Maverick Payments features advanced tools such as a comprehensive dashboard, fraud prevention capabilities, analytics, and reporting. The company provides white-labeled payment solutions and enables businesses to process transactions through their API, virtual terminal, and other integrated services. With a focus on emerging markets and offering advanced features like ACH and card-not-present transactions, Maverick Payments aids businesses of all sizes in managing chargebacks, expanding their reach, and optimizing payment acceptance and management. The company operates as a division of Maverick BankCard, Inc. and partners with several banks for streamlined operations.

📋 Description

• Under the direction of the Director of Compliance, Credit Analyst II is responsible for handling credit and financial analysis related duties. • 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.

🎯 Requirements

• 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. • Bachelor’s Degree, Finance, Business Administration, or similar 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.

🏖️ Benefits

• 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!