Description

The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and experienced with a wide range of commercial underwriting in a fast paced deadline driven environment.

The successful candidate will also have the ability to understand and apply best practices guidelines; collect and analyze exposure and loss data; respond efficiently and effectively to internal and external requests; maintain all organizational and professional ethical standards; have the ability to spot trends in monitoring and reporting; and communicate results of analysis to business customers and senior management, all while actively advocating and monitoring compliance.

Responsibilities to Include:

• Conduct commercial credit applicant reviews;
• Analyze a mix of merchant applicants in a wide variety of business types in both a card-present and non-present processing environment;
• Handle a wide range of volumes and ticket amounts, standard documentation and future service liability
• Review and analyze individual and company credit reports including Equifax, Experian and Dunn and Bradstreet;
• Communicate effectively with merchants and sales representatives;
• Communicate effectively with internal company departments, as well as management, as necessary.

EMS Offers:
Many outstanding benefits including: competitive salary, PTO, 401K plan with company match, paid holidays, company contribution toward health/dental insurance, employee discounts, On-site fitness center, career growth opportunities, and recognition and rewards for excellence

Job Requirements

• 3 years experience in a commercial underwriting environment
• Typing 50 WPM or equivalent keystrokes
• Strong organizational skills
• Strong analytical skills
• Strong oral and written communication skills
• Strong organizational skills, ability to multitask, and attention to detail.
• Ability to interpret data based on established criteria.
• Experience reviewing and analyzing individual and company credit reports including Equifax, Experian and Dunn and Bradstreet required
• Must be a team-oriented individual with willingness to work all levels of applicants (not exclusively high level applicants) with a positive attitude
• Flexibility required to work extended shifts as needed
• High School Diploma or equivalent required
• Bachelors Degree in Business or Finance preferred (or equivalent work experience)