Payments Underwriting Specialist

• Analyzing various applicants and business types in multiple credit card processing environments, both card-present and non-card-present
• Requesting and obtaining additional information from the necessary parties to complete the credit review process
• Determining creditworthiness for small to large merchants, both new and established
• Handling a wide range of lending amounts, including standard and non-standard documentation
• Comprehensive review and analysis of individual and company reports, including Experian, Equifax, Dunn and Bradstreet, Lexis-Nexis, Tax Returns, Financial statements, etc.
• Communicating confidently and effectively with merchants AND sales representatives as needed to obtain updated financial information or any other documentation needed
• Maintaining and monitoring the portfolio of merchants through monthly reports and evaluate/manage risk to identify suspicious merchant activity and mitigate fraudulent behavior and charges
• Working with department personnel to obtain historical data and feedback for the previous 12 months' account performance
• Recommending and developing enhancements, sources, and resources to assist in the credit review process
• Communicating effectively with internal company departments and multiple levels of management
• Being prepared to address production overflow, short staffing, or special projects

• Minimum two years of experience in an underwriting environment, with direct experience in credit card processing required
• Demonstrated ability to assess merchant risk and creditworthiness across multiple business types
• Clear, confident written and verbal communication, including requesting documentation from merchants
• Attention to detail and strong analytical judgment
• Ability to independently manage a high-volume application pipeline without sacrificing accuracy
• Proven integrity and discretion when handling sensitive financial and personal data
• Strong experience reviewing financial and identity documentation (bank statements, tax returns, business reports, credit bureaus)
• The ability to adhere to the core working hours of 10am - 7pm Central Time

Direct experience with Stripe is considered a plus

• Enjoy the flexibility of remote work
• Competitive base salaries
• Generous Paid Time Off
• Paid maternity, parental bonding, and medical leave
• Comprehensive health benefits, including Medical, Dental, Vision, and Prescription coverage
• Free, confidential counseling through partnership with BetterHelp
• 401(k) Retirement Savings Plan with 100% employer match on contributions up to 6%
• Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
• Life and Accidental Death & Dismemberment (AD&D) Insurance
• Wellness on your terms: get up to $60/month toward fitness, mental health, or almost anything that helps you feel your best
• $300 home office setup bonus after one year of employment
• Support for continuing education