Commercial Credit Risk Analyst

2 semanas atrás


São Paulo, São Paulo, Brasil JustiFi Tempo inteiro

Job Summary

The Commercial Underwriter will play a critical role in the success of JustiFi's Embedded Finance Infrastructure platform. As a key member of our underwriting team, you will be responsible for reviewing merchant applications, interpreting financial documents, and communicating with merchants and partners to ensure compliance with our credit policy.

Key Responsibilities

  • Review merchant applications in accordance with the credit policy and ensure they comply with the goals, objectives, and standards of the organization.
  • Interpret financial documents, such as balance sheets, P&Ls, and cash flow statements, to build supportive credit recommendations.
  • Communicate with merchants and partners to clarify any issues or concerns related to the underwriting process.
  • Review transaction monitoring flags in accordance with the risk policy and refine tools and processes to meet the portfolio needs.
  • Perform other underwriting-related duties as assigned by the Underwriting Manager.

Requirements

  • Minimum three (3) years of merchant and/or payment experience in the financial, ISO, or agent environment.
  • Demonstrated experience with spreading balance sheets, P&Ls, and cash flow statements.
  • Demonstrated experience with interpreting financial statements into a narrative that identifies credit risk and mitigants.
  • Comfortable working in consistently evolving and fast-paced environments.
  • Ability to comfortably and professionally interact with CFOs and CEOs of all business types from small to medium-sized businesses (SMBs) to enterprises.
  • Independently takes ownership of process and policy improvements.

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