Senior Underwriter

Unlock Your Potential with Quantum ePay® We're a growing fintech company focused on delivering innovative payment processing solutions and merchant technology that helps businesses lower costs, earn more, and operate with confidence.

• Independently review complex, high-volume, high-risk, or escalated merchant applications
• Analyze merchant creditworthiness, financial stability, business models, processing history, ownership structures, and operational risk
• Interpret consumer and business credit reports, financial statements, tax returns, bank statements, processing statements, corporate records, websites, and supporting documentation
• Evaluate card-not-present, e-commerce, recurring billing, future delivery, high-ticket, and other elevated-risk business models
• Approve, pend, decline, or recommend conditions for applications within assigned authority levels
• Provide clear and well-supported underwriting rationale for complex decisions
• Review escalated applications and assist with exception requests
• Identify potential fraud, bust-out risk, credit risk, prohibited activity, and inconsistencies across application materials
• Partner with Risk, Compliance, Sales, Operations, and sponsor bank contacts to resolve application concerns
• Serve as a resource for Underwriter team members by answering questions and providing guidance
• Support training, application calibration, and quality-review activities
• Review underwriting decisions for accuracy, consistency, and adherence to company and sponsor bank requirements
• Identify trends, recurring application issues, and opportunities to improve underwriting procedures
• Assist with developing and updating underwriting procedures, reference materials, and decisioning guidelines
• Support department coverage, queue management, and priority application reviews when needed
• Perform additional duties as assigned

• Advanced knowledge of merchant services underwriting, credit analysis, and payment-processing risk
• Strong understanding of merchant business models, transaction risk, chargebacks, fraud exposure, and sponsor bank requirements
• Ability to interpret complex financial statements, tax returns, bank statements, processing histories, and corporate structures
• Strong judgment and ability to make defensible decisions when information is incomplete or risk factors conflict
• Ability to recognize higher-risk industries, prohibited activities, unusual ownership structures, and potential misrepresentation
• Excellent analytical, investigative, and problem-solving skills
• Excellent written communication and ability to document detailed underwriting rationale
• Ability to provide constructive guidance and explain complex underwriting decisions
• Strong organization and time-management skills in a high-volume environment
• Ability to work independently and manage competing priorities
• Strong working knowledge of Microsoft Office, Adobe Acrobat, CRM platforms, and third-party underwriting tools

• 3+ years of merchant services underwriting experience required
• Experience independently reviewing complex or elevated-risk merchant applications required
• Experience with financial analysis, reserves, exceptions, conditional approvals, and underwriting escalations preferred
• Experience mentoring or training junior underwriters preferred
• Experience using TSYS systems preferred

This role includes biannual profit‑sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits.

• Base salary range: $65,000 - $68,500
• Salary including quarterly profit‑sharing bonus and comprehensive benefits program range (annualized): $85,725- $89,925

• Awarded Top Workplace of Orange County by the OC Register
• Flex PTO!
• New state of the art, open-concept facility with stand‑up desks, balance boards, stationary bikes and more!
• Work hard, play hard culture!
• Monthly Beer Socials and BBQs!
• Proven "promote from within" mentality!
• Benefit offerings:
• Medical, dental, vision, acupuncture and chiropractic
• 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4%
• Profit Sharing; paid on a biannual basis

Salary: $68500 per year