- The Merchant Underwriter will be a member of the Merchant Management team
- In this role you will perform merchant underwriting for on boarding of new merchants that wish to use our lending program
- As a Merchant Underwriter you will be responsible for evaluating merchant applications performing risk assessments and escalating complex cases as needed
- Analyze and interpret commercial and consumer credit reports
- Analyze tax returns and other financial documentation to make the best credit decision possible
- This role is critical in maintaining regulatory compliance supporting business growth and ensuring that merchant operations align with standards and policies
- Perform a thorough investigation of credit information from credit reporting agencies and other sources to determine a merchant s overall risk level
- Communicate decisions and requests for additional information to Merchants
- Periodic phone coverage as required for merchant verification calls
- Review internal and external resources to determine if reputation or fraud risks are present
- Adhere to established bank policies company guidelines and all regulatory requirements
- Provide excellent customer service within established service level agreements
- Required Skills Qualifications
- 2 years experience in underwriting compliance or risk management
- Strong ability to assess complex risk factors and evaluate detailed business reports or financial data
- Familiarity with CRM and underwriting tools
- Strong ability to assess complex risk factors and evaluate detailed business reports or financial data
- Familiar with reviewing financial statements and documents
- Demonstrated effective time management and organizational skills
- Strong verbal and written communication skills and ability to communicate across various lines of business
- Proficient with Microsoft Office
- Ability to work independently on routine repetitive tasks and to handle multiple tasks simultaneously
- Strong Internet research skills
- Preferred Qualifications
- Underwriting experience
- Bachelor s degree from an accredited institution
- Educational and or professional background in credit or underwriting
- Notice period Immediate to 30 days Location Mangalore Shift US Shift
India Banking->Consumer Banking, Mortgage, Lending Operations, Commercial Banking
