Credit Analyst II

Exciting Opportunities at Maverick Payments!
Join our fast-paced, growing company and further your career with Maverick Payments, where you can thrive, your ideas are valued, and your colleagues feel more like family than coworkers!
About Us:
Maverick Payments is a family-owned and privately held full-service payment provider. Located in Calabasas, California, Maverick has created innovative technology designed for sales organizations, such as ISO’s and ISV’s, looking to monetize payments by reselling our white-labeled payments stack. Our payment products include merchant acquiring services, a proprietary gateway, ACH processing, fraud & chargeback tools, analytics, and other value-add services. Maverick’s team includes underwriting, risk management, compliance & legal, technology & product development, on-boarding, customer support, information technology, and more.
About the Position: 
Under the direction of the Director of Compliance, Credit Analyst II is responsible for handling credit and financial analysis related duties. The Compliance Department is responsible for protecting the Company from the risk of loss associated with its business activities, and for ensure Company’s compliance with applicable legal, regulatory, and industry requirements.

• Conduct periodic credit reviews within an assigned portfolio and quantify results in a narrative format based on processing models, metrics and a detailed financial analysis resulting in verbal and written recommendations to management consistent within company risk appetite.
• Perform financial analysis preparing Credit Risk Assessments and Periodic Review of existing merchants with detailed recommendations and creative risk mitigation strategies.
• Analyze merchants with varying risk dependencies and credit quality associated with diverse business types and processing environments to determine potential exposure.
• Execute against Credit Policy driven collateral strategies to minimize losses by implementing reserves, sourcing letters of credit and/or administering funding holds.
• Communicate effectively with partner, internal departments, and management as necessary to obtain financial information or other documentation necessary to complete merchant reviews.
• Review and make recommendations to update department policies and procedures based on changing industry trends or process adjustments.
• Work collectively with other Department personnel for required enhanced due diligence reviews or to obtain historical data and feedback regarding assigned accounts.
• Other duties may be assigned by Portfolio Management leadership

Qualifications:

• High School Diploma or equivalent.
• 2-5 years of experience in Risk Management, Underwriting and/or Compliance within the acquiring industry.
• Experience with high-risk payment processing a must.
• In-depth knowledge of Excel and other similar products
• Familiarity with various tools used for credit anlysis and due diligence (i.e. Equifax/Transunion, TIN Check, MATCH, GIACT, Merlink, , G2, LS, etc.) a plus.
• Bachelor’s Degree, Finance, Business Administration, or similar a plus 
• Proficiency with Microsoft products including Microsoft Excel.
• Understanding of Card Brand rules and regulations. Understanding of various verticals and associated risks.
• Working knowledge of High-Risk Integrity (“HR”) Registry\
• Excellent written and verbal communication skills.
• Excellent time management skills.
• Effective written and verbal communication skills with ability to liaise with team members and leadership of various levels.

What We Offer:

• Competitive Salary, Bonuses and Incentives.
• Comprehensive employer sponsored health, vision, and dental insurance programs.
• Paid time off, Paid Sick and Paid Holidays.
• 401K plan with up to a 3% matching contribution.
• Commitment to Career Development and Advancement.
• Employee Recognition Programs
• Vibrant Office Culture, Team Building, Birthdays, Work Anniversaries, Snacks, and more!

Pay Range: $35-$40/hr.
This position will consider remote work for candidates in the following states: 
AZ, CA (outside Los Angeles), CO, FL, GA, ID, IN, MA, MD, ME, NC, NJ, NV, NY, OH, PA, TN, TX, UT, VA, WA