Credit Analyst I

Job Description:

Specialize in determining a business's or individual's credit worthiness

Looks at all past credit purchases and, based on their findings, decides if a person or a corporation is worthy to receive a loan

Reviewing numerical figures as a part of their daily function

Aggregate and evaluate data related to credit and credit risk to support organizational decision-making

Ensure that approved accounts remain in good standing

Establish terms for approved credit requests

Must Have:

Experience in risk mitigation within the payments industry (3-5 years preferred) with the ability to identify the behaviors and signs of risky financial transactions or accounts

Excellent research and investigative skills

Proficient use of technology with exceptional internet research skills

Ability to make independent and sound decisions and think on your feet in a dynamic environment

Applies defined procedures to independently investigate, analyze, and resolve queued fraud and financial risk issues

Makes outbound calls to customers to validate payments transactions

Writes complete, succinct and accurate case notes

Reviews other risk agent's work to either approve or provide feedback

Provides empathetic, accurate, and efficient resolutions to the most complex and escalated customers

Handles questions or escalations on suspected fraud from other business units

The majority of credit analysts have a Bachelor's degree in mathematics, business, economics, or accounting