Commercial Credit Underwriter

About the Role

We are seeking a highly skilled Commercial Credit Underwriter to join our team at Trustly. As a Commercial Credit Underwriter, you will be responsible for reviewing industry information and comparisons, key risks and mitigants to form a general risk overview of merchants.

Key Responsibilities

• Review financial statements and/or business tax returns and performs analysis to recommend merchant's risk ratings.
• Ensure compliance with all BSA/AML and other regulatory requirements.
• Summarize analysis in concise credit memo and complete all required underwriting checklists.
• Underwrite according to applicable regulations, procedures, and guidelines.
• Conduct periodic reviews for existing merchants to facilitate ongoing risk monitoring and management.

Requirements

• Bachelor's degree in Accounting, Finance, Business Administration, Statistics, Mathematics, or related field required.
• Understanding of credit fundamentals in a commercial environment; must have familiarity with commercial credit underwriting and Know Your Customer (KYC) requirements in North America.
• Good independent decision-making capabilities.
• Must be detail oriented, and able to prioritize multiple tasks to meet deadlines.
• Flexible and adaptable to a dynamic environment.
• Strong analytical, intuitive investigation and problem solving skills.
• High level of English proficiency both in oral and written communication.
• Demonstrate experience in working with cross-functional teams.
• Strong Microsoft Office skills.
• Salesforce knowledge is a plus

What We Offer

• Bradesco health and dental plan, for you and your dependents, with no co-payment cost.
• Life insurance with differentiated coverage.
• Meal voucher and supermarket voucher.
• Home Office Allowance.
• Gympass - Platform that gives access to spaces for physical activities and online classes.
• Trustly Club - Discount at educational institutions and partner stores.
• Monthly happy hours with iFood coupon.
• English Program - Online group classes with a private teacher.
• Extended maternity and paternity leave.
• Birthday Off.
• Flexible hours/Home Office - our culture is remote-first You can work in every city in Brazil.
• Welcome Kit - We work with Apple equipment (Macbook Pro, iPhone) and we send many more treats Spoiler alert: Equipment can be purchased by you according to internal criteria
• Annual premium - As a member of our team, you are eligible to receive an annual bonus, at the company's discretion, based on the achievement of our KPI's and individual performance.

About Trustly

At Trustly, we believe that inclusion and diversity are essential foundations for building a fair and equitable society. We do not discriminate based on race, religion, ancestry, color, national origin, gender identity, sexual orientation, age, citizenship, marital status, or disability status. Our main goal is to provide a fair, welcoming, diverse environment with opportunities for all collaborators. The stages of our selection process take place online and without distinction of any kind.

It's a great time to join Trustly as the Americas team is growing fast. If you thrive in an entrepreneurially-minded, fast-paced, casual, professional, positive, and rewarding work environment, check us out

About the Team

The Underwriting team is responsible for reviewing all new and existing insourced deals holistically by analyzing the merchants' compliance framework and risk controls, financial conditions, historical performance, and regulatory and legal environment.