Underwriting Analyst

This role reviews merchant applications and decides how to place them. Many Pay Kings merchants are in industries other processors turn away, so the work is careful judgment: reading a business's documents, understanding its risk, and matching it with a processing setup its acquiring bank will approve. It suits an analytical, detail-oriented person who likes getting the hard files right.

• Review merchant applications and supporting documents such as processing statements, bank statements, and business financials
• Verify business ownership and identity, and check for red flags
• Assess risk from industry, business model, chargeback history, and volume
• Match each merchant with a compatible processing setup and acquiring bank
• Prepare complete underwriting files and work with bank partners through approval
• Request missing information from merchants and sales in a clear, timely way
• Document decisions and conditions such as reserves or processing limits
• Support periodic reviews of existing merchant accounts

• Experience in merchant underwriting, credit analysis, risk, or a related financial review role
• Comfort reading financial statements and processing statements
• Strong attention to detail and sound judgment
• Clear written communication for documenting decisions
• Ability to manage many files at once against deadlines

• High-risk merchant account underwriting experience
• Familiarity with card brand rules, chargeback thresholds, and reserve structures
• Experience working directly with acquiring banks

• Competitive salary
• A stable role at a growing payments company
• Room to build real fintech expertise
• Collaborative team environment
• On-site position in Lehi, Utah