Underwriting and reviewing merchant applications for credit card payment processing, the full-time Enterprise Credit Analyst will conduct financial analysis, provide recommendations, and support sales partners in a remote environment. Key responsibilities: Underwrite and review new, auto-approved, and graduated merchant submissions for credit card processing services Make verbal and written recommendations to management aligned with risk appetite and provide support for accounts that are pended, declined, or withdrawn Conduct financial analysis and develop creative risk mitigation strategies for high-risk merchant submissions while training and guiding team members Required qualifications: Bachelor's Degree in Business, Finance, Accounting, or equivalent work experience Minimum five years of commercial underwriting or risk mitigation experience in the bank card/merchant payment processing industry Two years of financial analysis experience with writing assessments Proven ability to make authoritative underwriting decisions and manage interactions with sales partners and merchants Flexibility to adapt priorities during peak periods to maintain service levels