Snr Credit Analyst - US Large Credit Risk / Merchant Underwriting

Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Senior Credit Analyst to join our ever-evolving Legal, Risk & Compliance team to help us unleash the potential of every business. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to mitigate risk while supporting growth objectives. We're a diverse team with the potential to have a significant positive impact. The primary responsibility of the Worldpay Credit team is to review larger credit risk exposure accounts to ensure the merchant's credit fundamentals are adequate in relation to the potential exposure generated from the payment processing relationship. As a Senior Credit Analyst, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate risk to Worldpay. What you'll own Role is hybrid and requires 2-3 days in office Obtains and spreads company financial statements, making adjustments as needed Performs extensive analysis on a variety of financial statements and provides proper recommendations and assessments of their credit profile Effectively evaluates complex issues, considering and prioritizing a variety of factors Establishes appropriate credit limits and collateral to minimize risk Communicates effectively and professionally with internal and external customers Exercises sound judgment in assessing potential regulatory and reputational risks Monitors and communicates credit concerns to management Where you'll own it You'll own it in our Atlanta, GA or Cincinnati, OH office hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring The ability to go into office and work in a hybrid model Skills and expertise needed to perform the job requirements listed above, typically at least: 2-4 years of experience with analyzing and spreading a variety of financial statements Extensive experience with performing credit analysis and drafting credit memos Effective communication skills and attention to detail Unmatched work ethic and strong sense of ownership Ability to creatively solve problems and achieve company objectives Time management and flexibility Added Bonus If You Have Knowledge of merchant acquiring services and the payment processing industry Degree in Finance, Accounting, or similar formal credit training Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. A competitive salary and be