Credit Analyst II

• Conduct periodic credit reviews within an assigned portfolio and quantify results in a narrative format based on processing models, metrics and a detailed financial analysis resulting in verbal and written recommendations to management consistent within company risk appetite.
• Perform financial analysis preparing Credit Risk Assessments and Periodic Review of existing merchants with detailed recommendations and creative risk mitigation strategies.
• Analyze merchants with varying risk dependencies and credit quality associated with diverse business types and processing environments to determine potential exposure.
• Execute against Credit Policy driven collateral strategies to minimize losses by implementing reserves, sourcing letters of credit and/or administering funding holds.
• Communicate effectively with partner, internal departments, and management as necessary to obtain financial information or other documentation necessary to complete merchant reviews.
• Review and make recommendations to update department policies and procedures based on changing industry trends or process adjustments.
• Work collectively with other Department personnel for required enhanced due diligence reviews or to obtain historical data and feedback regarding assigned accounts.
• Other duties may be assigned by Portfolio Management leadership

• High School Diploma or equivalent.
• 2-5 years of experience in Risk Management, Underwriting and/or Compliance within the acquiring industry.
• Experience with high-risk payment processing a must.
• In-depth knowledge of Excel and other similar products
• Familiarity with various tools used for credit anlysis and due diligence (i.e. Equifax/Transunion, TIN Check, MATCH, GIACT, Merlink, , G2, LS, etc.)  a plus.
• Bachelor’s Degree, Finance, Business Administration, or similar a plus 
• Proficiency with Microsoft products including Microsoft Excel.
• Understanding of Card Brand rules and regulations. Understanding of various verticals and associated risks.
• Working knowledge of High-Risk Integrity (“HR”) Registry\
• Excellent written and verbal communication skills.
• Excellent time management skills.
• Effective written and verbal communication skills with ability to liaise with team members and leadership of various levels.

• Competitive Salary, Bonuses and Incentives.
• Comprehensive employer sponsored health, vision, and dental insurance programs.
• Paid time off, Paid Sick and Paid Holidays.
• 401K plan with up to a 4% matching contribution.
• Commitment to Career Development and Advancement.
• Employee Recognition Programs
• Vibrant Office Culture, Team Building, Birthdays, Work Anniversaries, Snacks, and more!

Maverick Payments is an Equal Opportunity Employer.

Pay Transparency Notice: At Maverick Payments, we believe in openness, honesty, and empowering our candidates to make informed career choices. As part of our commitment to transparency, we disclose the salary range for our positions. These ranges reflect our dedication to fair compensation practices and recognize the value that each team member brings to our organization. The final salary offer will be based on factors such as your experience, skills, and qualifications.

Non-Solicitation from Third Parties: Do not contact Maverick Payments about this position unless you are a job seeker and potential applicant for this position. Do not contact Maverick Payments about other services, products or commercial interests.

Notice to Agency and Search Firm Representatives: Maverick Payments is not accepting unsolicited resumes from agencies and/or search firms for this or other job postings. Resumes submitted to any Maverick Payments employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Maverick Payments. No fee will be paid if a candidate is hired for this position as a result of an unsolicited agency or search firm referral.

Fair Chance Ordinance: Maverick will consider qualified applicants with criminal histories in a consistent manner with the Los Angeles Fair Chance Initiative for Hiring.