Every day, Heartland, a Global Payments Company, makes it possible for millions of people to move money between buyers and sellers using our products and unmatched services. Simply, we create meaningful technology centered experiences that enable our customers to prosper. If you want to work like an entrepreneur, support and serve entrepreneurs and bring your expertise to a dynamic team, then Heartland is for you. If it's in your nature to work with a passion to provide tangible solutions for everyone you interact with, then join us and let's see what we can do together.
Summary of This Role
Processes and reviews client credit applications. Makes recommendations in accordance with sound credit-granting principles and compliance with Company, Sponsor Bank and Legal, Policy and Procedures. Effectively interacts with merchants, Senior Underwriters and Management to achieve timely adjudication of applications and in limiting loss, assessing risk, and in protecting the company against fraud and other risks.
What Part Will You Play?

• Understand the risks associated with the payment processing industry (Fraud, Credit, Regulatory, Legal, etc.)
• Understand the company underwriting policies and underwriting guidelines and demonstrate proficiency in underwriting all new applications consistent with approved underwriting policies and guidelines.
• Verify all information provided on the merchant application and supporting documentation is correct and consistent with required standards.
• Call merchants regarding their applications when needed to verify information.
• Applies good knowledge of fair lending issues, rules and various internal and external policies and regulations.
• Evaluates a variety of applications and ensures compliance with laws, bank regulation, corporate and divisional underwriting policies, procedures and standards.
• Understand, read and interpret financial statements, tax returns and other similar documentation.
• Write detailed reviews and perform analyses, including company financial statements, cash flow, quality of assets and earnings, working capital, potential liabilities and risks, and the impact of credit findings.
• Analyzes all pertinent credit and financial information, and demonstrates aptitude to interpret and evaluate consumer credit bureau reports, other reporting services, public records and bank files.
• Understand Credit findings to provide recommendations (approval, credit holds or declines etc.) on merchant applications and identify, document and escalate to management those deals that are over an Underwriter II approval authority as defined by policy.
• Seeks alternative means of financing or counter offers for all merchants/clients when it is determined that the original request cannot be accommodated.
• Communicate decisions effectively in both verbal and written communication.
• Digitally file paperwork.
• Demonstrate good listening, interpersonal and team working skills.
• Begins to understand niche markets and areas of expertise for the platform.
• Additional primary duties will be assigned as required.

What Are We Looking For in This Role?
Minimum Qualifications

• Bachelor's Degree in Finance or Accounting or combination of a related degree and experience (Collections, Accounting, Underwriting, Credit Banking, Finance, Mortgage, Etc.)
• Typically minimum 2 years relevant experience in finance/accounting, credit, risk or equivalent experience in a related field required.
• Strong understanding of and ability to read financial statements, tax returns and other similar documentation.
• The ability to understand restricted industry requirements and nuances and make sound decisions.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Developing professional expertise, applies company policies and procedures to resolve a variety of issues.
• Job Complexity - Works on problems of moderate scope where analysis of situations or data requires a review of a variety of factors. Exercises judgment within defined procedures and practices to determine appropriate action. Builds productive internal/external working relationships.
• Supervision - Normally receives general instructions on routine work, detailed instructions on new projects or assignments.

Heartland is an equal opportunity employer. Heartland, a Global Payments Company, 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.