Commercial Credit Analyst

We are seeking a Merchant Services-focused Commercial Credit Analyst , who will be responsible for reviewing enterprise and larger exposure merchants accounts as well as ensuring periodic financial statement reviews of these relationships are maintained.

In addition, they will also support the underwriting of new and existing non-enterprise merchants using various tools, documents and resources to identify the potential risk with the relationship and ensure it is reasonably mitigated.

Why PayJunction?

PayJunction is relentless and emphatical about helping others.  We exist to drive the success of our partners.  Specifically, the developers who connect to us, businesses who process payments through us, and all of our team members who work with us at PayJunction.

We believe dreams inspire people to start a business, and others to partner with them.  While building dreams, entrepreneurs and business professionals will face many challenges along the way.

We believe great partners can make all the difference.

We are your dream partner.   Your success is our success.  Our dream is to help you realize yours.

We exist to drive the success of our partners.  We do this by fundamentally changing the way you transact with others.  We just happen to make great payment systems..  If you love helping others succeed, in a culture that celebrates perfecting your craft, consider partnering with us.

Location PayJunction takes a Flex First approach to work environments.

This means that our team members can choose to work from our Santa Barbara office or remotely from home.

We ensure that everyone has the resources and equipment to work where they feel most productive.

We trust our teams to make the best decision for their work environment.

All PayJunction employees must reside in one of the following states :

• CA, IL, TX, MN, CO, GA, NY, MA, CT.    Mission Our Risk team’s mission is to assess the creditworthiness of potential merchant customers and make sound underwriting decisions that support the company’s growth while minimizing risk effectively and efficiently.  Vision Our Risk / Underwriting team’s vision is to become a leading merchant services underwriting & risk team that proactively identifies and manages risks, empowers growth, and delivers value to PJ and its partners through sound and efficient decision-making Responsibilities Produce written summaries of risk assessment along with subsequent recommendations for credit approval.
• Provide exceptional customer service, both via phone and email, and conduct timely follow-ups in support of efficient credit management processes.
• Conduct risk assessments to determine financial creditworthiness to support account exposure  Perform detailed financial statement analysis on companies, including trend and ratio analysis utilizing financial documents such as the balance sheet and income statement.
• Assisting in updating credit policy and procedures as well as identifying / introducing innovative methods to streamlining risk assessments.
• Maintain timely and accurate reports regarding portfolio status including assurance of completion of annual reviews.
• Conduct company, industry and market analyses to further assess portfolio credit risk.
• Qualifications Bachelor’s degree required – field of study in accounting, economics or finance preferred.
• Minimum 4 years of experience in commercial credit analysis and underwriting in a banking, fintech or merchant services organization.
• Experience in independently analyzing and approving companies requesting loans, lines, exposure greater than $500,000.
• Advanced excel skills.
• Comfortable generating advanced query functions and pivot tables.

Experience performing detailed financial analysis on companies including :

All remote & hybrid team members can enjoy :

Those who choose to come into the office can look forward to :