Credit Underwriter Senior - US Credit Risk​/Merchant Underwriting

About the Team

The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.

• Review large credit risk exposure accounts with a focus on the merchant’s credit fundamentals.
• Perform thorough financial analysis on prospective and current merchants.
• Obtain and review the financial statements of merchants.
• Perform extensive analysis of financial statements and provide an assessment of their credit profile and supportable recommendations for exposure.
• Effectively evaluate complex business arrangements and structures; dive deep into the background and operations of a merchant.
• Recommend and establish appropriate credit limits and collateral to minimize and manage risk.
• Communicate effectively and professionally with internal and external clients.
• Exercise sound judgment in assessing potential regulatory and reputational risks.
• Monitor and communicate credit concerns to management.
• Role is hybrid and requires 2–3 days in office.

• Minimum of 5–8 years of experience analyzing and processing financial statements, performing credit analysis and drafting credit memos.
• Effective communication skills; attention to detail.
• Strong judgment and decision‑making skills.
• Self‑starter, able to work independently; possesses a strong sense of ownership.
• Ability to creatively solve problems and achieve company objectives.
• Time‑management skills with ability to multitask.

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

A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team. The opportunity to focus on a broad range of industries and financial topics. A work environment built on collaboration, flexibility and respect. A competitive salary and benefits designed to help support your lifestyle and well‑being.

Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.