Enterprise Merchant Credit Analyst

Enterprise Merchant Credit Analyst

North - Remote

This role requires strong financial analysis experience with merchants in the Payments or Commercial Banking industry.

North and our family of companies are committed to making it as easy as possible for businesses to grow through innovations in credit card processing, ecommerce, mobile payments and more. Our mission is to be the easiest payments company to do business with, bar none.

The Enterprise Merchant Credit Analyst role underwrites and reviews merchant applications for credit card payment processing, providing additional layers of review and dissection to find approval solutions and drive increased submission volumes. This role requires strong financial analysis experience.

What you'll do:

• Underwrite and review new merchant submissions, auto approved submissions, and graduated underwriting submissions for merchant credit card payment processing service, submitted by sales partners and merchants to NAB.

• Make verbal and written recommendations to management consistent with NAB’s risk appetite.

• Provide all sales partners with a communication channel via phone support as well as an additional layer of review and discretion to find a solution for accounts that have been pended, declined, or withdrawn.

• Conduct financial analysis to provide detailed recommendations, discussion papers, and creative risk mitigation strategies, and provide solution focused reviews for high risk, restricted, and prohibited merchant submissions.

• Help train and develop team members, and provide guidance to lower-level team members on a day to day basis.

• Regularly handle high risk/high volume accounts, and analyze a wide variety of applicants and business types in multiple credit card processing environments, including both card present and non-card present applicants.

What we need from you:

• Bachelor’s Degree in Business, Finance, Accounting (or equivalent work experience).

• Minimum five (5) years of commercial underwriting experience or commercial risk mitigation experience in the bank card/merchant payment processing industry.

• 2 Years of financial analysis experience with writing assessments.

• Must be comfortable and confident in handling a position of authority when making underwriting decisions, as well as executing accurate judgment in regards to interactions with Sales Partners and merchants over the phone and through email.

• Ability to adapt priorities for peak periods to ensure consistency of service levels for sales partners and merchants.

• Ability to work a flexible work schedule in support of departmental needs.

How to stand out (Preferred):

• CPA Credentials

• CPP Credential

• 2 Years of Sales Relationship Management Experience

Salary Range: $75,000-$97,000

Pay within this range varies by work location and on job-related knowledge, skills, and experience. We look forward to discussing your salary expectations and our full total rewards offerings throughout the interview process.

What we offer: 

We offer a comprehensive benefits package that enables our teams to live a life well lived, both personally and professionally. Some of our perks include:

• Medical, Dental, & Vision Coverage

• Flexible Paid Time Off

• 401(k) + Match

• Mental Health Support & Well-Being Program

• Paid Maternity & Paternity Leave

• Education Assistance

• Company-funded Lifestyle Spending Account

Please note: North is a US based company and this role is not eligible for current or future sponsorship.

Let’s go North, together. 

Join our mission to build the largest suite of credit card processing and merchant services. It’s one simple payment platform backed by the most diverse payment companies. From credit card processing to back-office management, North points the way to smarter, faster, and just plain better payment solutions.

Who we are: 

North, and our family of companies, are committed to helping entrepreneurs grow their businesses. As an end-to-end payment solutions company, we provide everything business owners need to get paid, whether they serve customers in a physical storefront, online, or both. We pride ourselves on being large enough to offer customized solutions to our enterprise-level clients while remaining agile enough to take an award-winning, hands-on approach to personal service that our merchants won’t find anywhere else.

Let’s go North, together! Our most important resource is our people. Join our diverse team of innovators and do-ers and make your mark on the future of payments technology. We're proud to offer benefits that help our team members further their overall well-being through unique initiatives that are both personally and professionally fulfilling. 

At North, we celebrate diversity and create an inclusive environment for everyone. We are an equal opportunity employer.

To learn more about North, and our family of companies, visit our website: north.com