Credit risk analyst Jobs in Costa Mesa, CA

SENIOR CREDIT UNDERWRITER WHO WE ARE Welcome to KORT Payments, where innovation meets excellence!

We specialize in providing a state-of-the-art omnichannel payments platform designed to make business transactions a breeze.

Our mission?

To empower businesses with top-notch capabilities in compliance, risk management, and payment processing.

Our trailblazing, enterprise-grade platform, coupled with a veteran management team, ensures we stay ahead of the curve in delivering unparalleled service and satisfaction.

We recently rebranded to showcase our expanded vision, yet we proudly continue to operate Merrco and Payfirma, under the KORT Payments banner.

Our commitment to excellence and innovation remains stronger than ever.

LOCATION Irvine (California), Toronto, Montreal or remote EMPLOYMENT TYPE Full-time, exempt, new role SALARY $90,000 - $110,000 Actual compensation will be determined based on location, experience, and role requirements, and will comply with applicable local pay transparency laws.

WHAT YOU WILL BE DOING The Senior Credit Underwriter is responsible for independently underwriting and onboarding merchant payment processing accounts across a broad spectrum of risk profiles.

This role plays a critical leadership position within the underwriting function, providing subject-matter expertise on both high- and low-risk merchants, supporting policy development, and driving continuous improvement in underwriting workflows, controls, and service levels.

As a Senior Credit Underwriter, you will:

• Independently underwrite complex merchant payment processing applications, including high-risk, restricted, and newly emerging business models Perform comprehensive KYC/KYB due diligence, including business validation, ownership and principal reviews, credit analysis, and bank account verification Assess merchant risk exposure and recommend appropriate risk mitigation strategies such as reserves, funding delays, processing limits, or enhanced monitoring Apply and interpret card network rules, sponsor bank requirements, internal risk policies, and regulatory compliance standards Provide subject-matter expertise on underwriting decisions involving escalations, exceptions, and non-standard structures Assist in the development, documentation, and ongoing refinement of underwriting policies and procedures, particularly for restricted and emerging industry verticals Partner with Risk, Compliance, Sales, and Operations teams to support efficient onboarding while maintaining strong risk controls Identify opportunities to streamline underwriting workflows, improve turnaround times, and enhance SLA performance Support internal and external audits by providing documentation, rationale, and underwriting guidance as required Mentor and support junior underwriting analysts through knowledge sharing, case review, and informal coaching Navigate multiple underwriting, CRM, and risk systems to document decisions, maintain accurate records, and manage application pipelines Perform periodic reviews of existing merchant accounts and support portfolio risk management initiatives Perform additional duties as needed to support departmental and company objectives WHAT WE’RE LOOKING FOR Minimum of 5–7 years of direct experience in merchant acquiring underwriting within the payments industry Demonstrated experience underwriting both low-risk and high-risk merchant accounts, including complex or non-traditional business models Strong understanding of card network rules, sponsor bank requirements, and payment industry risk frameworks Proven ability to evaluate financial statements, processing data, credit reports, and business models to assess risk Experience contributing to the creation or enhancement of underwriting policies, procedures, and risk guidelines Demonstrated history of streamlining underwriting workflows, improving operational efficiency, and meeting or exceeding SLAs Excellent analytical, judgment, and decision-making skills with a strong attention to detail Strong communication and relationship-building skills, with the ability to collaborate effectively across teams and seniority levels Ability to work independently in a fast-paced, remote environment while managing competing priorities High level of professionalism, integrity, and accountability in handling sensitive financial and merchant information Proficiency in Microsoft Office Suite, particularly Excel, Word, and Outlook LIFE AT KORT PAYMENTS 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.

Perks and Benefits:

• 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.
• If you're excited about joining a vibrant, forward-thinking team and making a tangible impact, we want to hear from you!
• Send us your application. Please note that only candidates under consideration will be contacted.
• Let’s make great things happen together at KORT Payments! Powered by JazzHR