Credit Underwriter Senior - US Credit Risk​/Merchant Underwriting

Overview

Are you ready to unleash your full potential? We’re looking for people who are passionate about payments to chart Worldpay’s path to being the largest and most‑loved payments company in the world.

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.
• Conduct extensive analysis of financial statements and provide assessment of their credit profile with supportable recommendations for exposure.
• Effectively evaluate complex business arrangements and structures; deep dive into the background and operations of a merchant.
• Recommend and establish appropriate credit limits and collateral to minimize and manage risk; position may be granted credit authority.
• 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 spreading 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.

• Comprehensive medical coverage, telemedicine, dental, vision, and options for health savings or flexible spending accounts.
• Matching 50% of the first 6% you contribute to retirement plans.
• Employee Assistance Programs for support during life changes.
• Support throughout the family journey including fertility and family planning, adoption assistance, parental leave, caregiver and child support, menopause and midlife health support.
• Short‑term and long‑term disability for you and your dependents.
• Paid time off, holidays and sick days.
• Specialized support for complex medical conditions such as healthcare navigation, second opinions, cancer and diabetes management.

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 Equal Employment Opportunity (EEO) is the Law poster is available here. If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test.

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.