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Underwriting Specialist

Underwriting Specialist

Redstone Payment SolutionsHouston, TX, US
1 day ago
Job type
  • Full-time
  • Quick Apply
Job description

At Redstone Payment Solutions, we believe in the power of relationships, built on trust, honesty, and a commitment to delivering exceptional service. Since 1994, our family-owned business has been at the forefront of the payment processing industry, helping businesses grow by providing secure, cutting-edge solutions tailored to their needs.

The Underwriting Analyst is responsible for collecting, analyzing, and entering merchant information to support sound business decisions regarding short-term funding. This role requires strong analytical ability, diligence, and collaboration across teams to ensure accurate decisions.

Requirements

Prescreening & Prequalification :

  • Enter merchant application data accurately into internal systems
  • Retrieve and evaluate credit information from multiple credit sources
  • Review and analyze bank statements and credit reports

Underwriting Analysis & Decision-Making :

  • Assess all gathered information to determine business eligibility
  • Identify whether sufficient information exists to make decisions
  • Request additional documentation as needed
  • Make and document decisions to properly status an application to pend, decline, or approve based on underwriting criteria
  • Utilize the underwriting matrix and other company policies to guide decisions
  • Exercise judgment using client data, credit bureau information, reference checks, and other third-party resources

    • Collaboration & Communication :

  • Partner effectively with the underwriting and risk teams :
  • Identify and report any questionable business activities to the appropriate departments
  • Collaborate with merchants, ISOs, sales representatives, and internal operations teams

    • Application & Account Review :

  • Conduct reference checks with outside vendors as required
  • Perform quality assurance reviews post-transmission to ensure accuracy and completeness

    • Additional Responsibilities :

  • Provide secondary support by answering and directing incoming phone calls
  • Deliver excellent customer service to both internal and external partners
  • Perform other duties as assigned to support departmental and organizational objectives

    • Qualifications :

  • Associate or Bachelor’s degree, or equivalent combination of education and work experience
  • Minimum of 3 years of experience in financial services, underwriting, or credit analysis
  • Strong ability to interpret and analyze credit reports and financial data
  • Exceptional diligence and accuracy in a demanding environment
  • Proficient data entry and organizational skills with the ability to manage multiple priorities
  • Elevated level of integrity and discretion when overseeing sensitive information
  • Excellent problem-solving, analytical, and decision-making abilities
  • Strong written and verbal communication skills
  • Demonstrated initiative, ownership, and sense of urgency in achieving results
  • Positive attitude with the ability to thrive in a dynamic environment

    • Benefits

    Health and wellness :

  • Medical, dental, and vision insurance : Comprehensive medical, dental, and vision insurance plans with options for your dependents.
  • Mental health support : Access to mental health services and wellness programs.

    • Financial security :

  • Retirement plan : 401(k) retirement savings plan with a company match.
  • Life insurance : Employer-paid life insurance policy.
  • Disability insurance : Short-term and long-term disability insurance.

    • Work-life balance and time off :

  • Paid time off (PTO) : Paid time off (PTO) plus paid sick leave and holidays.
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    Underwriting Specialist • Houston, TX, US

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