Underwriter

at  Global Payments

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.
Global Payments is a Fortune 500 worldwide payment technology and software company, providing the world’s leading complete commerce ecosystem to businesses of every size. Our unique, connected infrastructure serves every dimension of commerce, carrying billions of transactions every year – safely and seamlessly.
In the UK&I, we employ over 500 people across 5 sites and work with over 60k customers including blue chip companies such as The Post Office, Brewdog & Trainline.
We have an exciting opening and our recruiting for an Underwriter/Credit Analyst to join our expanding team based in our office in Dublin City Centre. This role is a hybrid role and reports to the Credit Supervisor.

PROFESSIONAL AND PERSONAL REQUIREMENTS:

• Minimum 1 years’ experience in a credit environment or similar position
• Strong underwriting skills
• Experience in Acquiring / Cards industry (including an understanding of chargeback risk) preferred
• Familiar with KYC (Know Your Client) and AML (Anti Money Laundering) procedures
• Good underwriting and analytical thinking skills with a high level of accuracy
• Confident manner and good communication skills (both verbal & written)
• Able to work well under pressure
• Efficient and responsible way of working
• Fast learner and highly productive ensuring work streams are completed quickly and effectively
• Languages –English, fluent
  Global Payments Inc. is an equal opportunity employer.
  Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department.

• Underwriting of businesses applying for Card Payments facilities
• Assessment / evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring
• Performance of financial analysis based on financial statements and forecast
• Assessment of business models in the context of due diligence and compliance with the guidelines of the payment institutions
• Assess and interpret Credit Bureau Reports
• Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
• In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals
• Communicate with sales channels and partners regarding new applications
• Proactively monitoring of the Merchant Portfolio
• Verification of adherence to compliance requirements and credit guidelines
• Periodic credit reviewing of the portfolio
• Participation in training of partners and merchants on risk management processes
• Calculation of reserves/collaterals based on credit exposure
• Work in close collaboration with wider Credit Team Members in other Global Payments locations (including Leicester, England & Manila, Philippines)