Credit Analyst I
Irvine, CA
Full Time
Mid Level
LOCATION: California (hybrid role)
EMPLOYMENT TYPE: Full-time, non-exempt
SALARY RANGE: $28.85 - $31.25 per hour based on experience
WHAT YOU WILL BE DOING
The Credit Analyst will assess the creditworthiness of prospective and existing merchants, analyze financial data, and mitigate risks to ensure compliance with our risk management policies. This role plays a critical part in safeguarding the company against financial losses while fostering relationships with our merchant partners.
As a Credit Analyst I, you will:
We pride ourselves on cultivating an inspired culture characterized by customer-centricity, commitment, respect, and agility. Our high-growth environment promotes a supportive and collaborative atmosphere, fostering a growth mindset, intellectual curiosity, entrepreneurial spirit, and teamwork. Our leadership team is experienced and passionate about payments, taking pride in their achievements and the unique value they bring to the industry.
At KORT Payments, we believe work should be fulfilling and fun! Here’s a peek into what life with us is like:
Culture:
EMPLOYMENT TYPE: Full-time, non-exempt
SALARY RANGE: $28.85 - $31.25 per hour based on experience
WHAT YOU WILL BE DOING
The Credit Analyst will assess the creditworthiness of prospective and existing merchants, analyze financial data, and mitigate risks to ensure compliance with our risk management policies. This role plays a critical part in safeguarding the company against financial losses while fostering relationships with our merchant partners.
As a Credit Analyst I, you will:
- Assess merchant credit applications, validate supporting documentation, and analyze financial and credit data to determine risk levels
- Understand and apply credit/risk scales, bank policies, and compliance standards
- Understand risks associated with various business verticals and merchant business models
- Navigate multiple systems to status applications, update notes, and manage application workflows
- Obtain and evaluate credit ratings from bureaus, banks, and trades
- Collaborate with Risk Management to resolve application inquiries and periodic merchant account assessments as needed
- Support internal and external audit inquiries
- Suggest and implement process improvements contributing to greater efficiency
- Work accurately in a fast-paced environment to meet SLA requirements
- Perform additional duties as needed to support departmental operations
- Bachelor’s degree in finance, accounting, economics, or a related field (preferred)
- Minimum of 2 years of proven experience in high-risk credit underwriting, credit analysis in payments
- Strong analytical and problem-solving abilities with the capability to interpret financial statements and credit reports
- Excellent rapport-building skills to establish and maintain strong working relationships across teams and reporting levels
- Flexibility to work overtime to meet business demands
- A collaborative, team-oriented attitude with a positive and proactive approach to work
- Ability to thrive in a fast-paced, evolving environment and drive results
- Strong knowledge of Microsoft Office Suite including Outlook, Word, and Excel
We pride ourselves on cultivating an inspired culture characterized by customer-centricity, commitment, respect, and agility. Our high-growth environment promotes a supportive and collaborative atmosphere, fostering a growth mindset, intellectual curiosity, entrepreneurial spirit, and teamwork. Our leadership team is experienced and passionate about payments, taking pride in their achievements and the unique value they bring to the industry.
At KORT Payments, we believe work should be fulfilling and fun! Here’s a peek into what life with us is like:
Culture:
- Fearlessness: Encourage continuous learning, innovation, taking chances, and pushing boundaries.
- Accountability: Take ownership and be accountable to yourself, the company, partners, and clients.
- Collaboration: Leverage diverse perspectives and work as a team to get the job done.
- Transparency: Empower success through open communication, honesty, and inclusion.
- Comprehensive Benefits Package: We've got you covered with health, dental, and vision plans.
- Flexible and Inclusive Work Environment: We understand the importance of work-life balance and provide the flexibility you need to thrive.
- Fun Events: From team-building activities to company-wide celebrations, we love to have fun and recognize our hard work.
- Professional Growth: We support your career development with ongoing learning opportunities and the chance to take on new challenges.
- Work Hard, Play Hard: Enjoy a dynamic environment where your contributions are valued and your potential is unleashed.
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