Bilingual – French & English – Credit Review Analyst II
| Company | Global Payments |
|---|---|
| Location | Montreal, QC, Canada |
| Salary | $Not Provided – $Not Provided |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Mid Level, Senior |
Requirements
- Typically minimum 4 years relevant experience in finance/accounting or similar position required, including a minimum of 2 years experience as a Credit Analyst.
Responsibilities
- Analyzes credit and risk information, such as: credit reports (both consumer and commercial), website assessment of business model, terms and conditions, legal agreements between direct and indirect customers, financial statements (historical and projections), site inspections, processing statements, background checks, various licenses and third party risk tools for Know Your Customer (KYC) purposes, legal filings (LexisNexis, Pacer), Card Scheme information (negative file info), customer’s future delivery risk reporting, etc.
- Renders a credit decision for small to moderately complex deals and applications to approve, decline or pend the deal.
- Identifies, quantifies and mitigates risk exposure on all deals using credit policy framework, risk models, risk tables and assumptions, business terms and conditions, and relevant financial information.
- “Sells” the credit decision to the prospect, channel partner, sales representative and/or relationship manager after structuring the deal terms.
- Begins to assist in the formulation and enforcement of credit policies and procedures, including risk acceptance criteria, sponsor bank policies, Card Scheme rules and regulations, and TSYS corporate policies.
- Prepares detailed credit analysis (executive approval/credit memos) for routing to and review by upper management so that second signatures and concurrences can be obtained.
- Typically conducts due diligence on portfolios to be converted and/or to be acquired, identifying high risk accounts for structuring and/or accounts to be excluded from the deal.
- Begins to serve as a resource for less experienced credit analysts. May review and provide feedback of other’s work product.
Preferred Qualifications
- Bachelor’s Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills.