Job Description

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.
Rxc3xa9sumxc3xa9 du rxc3xb4le
Analyser les donnxc3xa9es de crxc3xa9dit et les informations financixc3xa8res afin de dxc3xa9terminer les risques potentiels et de prendre des dxc3xa9cisions de crxc3xa9dit xc3xa9clairxc3xa9es pour les transactions ou les demandes, tout en garantissant le respect des objectifs et de la stratxc3xa9gie de crxc3xa9dit gxc3xa9nxc3xa9raux. Examiner les portefeuilles pour garantir le respect des normes d'assurance qualitxc3xa9, tout en identifiant et en quantifiant les risques afin de rxc3xa9duire l'exposition sur toutes les transactions et tous les clients. Prxc3xa9parer des analyses de crxc3xa9dit dxc3xa9taillxc3xa9es, si nxc3xa9cessaire, pour la haute direction concernant les approbations de crxc3xa9dit. Explique minutieusement les dxc3xa9cisions et les conditions d'approbation. Respecter le plan financier et les niveaux de productivitxc3xa9 et d'efficacitxc3xa9 du contrat de service.
Quel rxc3xb4le jouerez-vous ?
Analyse les informations relatives au crxc3xa9dit et aux risques, telles que : les rapports de solvabilitxc3xa9 (consommateurs et commerciaux), lxc3xa9valuation du modxc3xa8le xc3xa9conomique par le site web, les conditions gxc3xa9nxc3xa9rales, les accords juridiques entre clients directs et indirects, les xc3xa9tats financiers (historiques et projections), les inspections de sites, les relevxc3xa9s de traitement, les vxc3xa9rifications dantxc3xa9cxc3xa9dents, les diffxc3xa9rentes licences et outils de gestion des risques tiers pour la connaissance du client (KYC), les documents juridiques (LexisNexis, Pacer), les informations sur les systxc3xa8mes de cartes (informations sur les dossiers nxc3xa9gatifs), les rapports sur les risques lixc3xa9s aux livraisons futures des clients, etc. Rend une dxc3xa9cision de crxc3xa9dit pour les transactions de petite xc3xa0 moyenne complexitxc3xa9 et les demandes dapprobation, de refus ou de suspension de la transaction. Exploite dautres sources de donnxc3xa9es telles que le site de la FTC et dautres agences gouvernementales compxc3xa9tentes (fxc3xa9dxc3xa9rales et xc3xa9tatiques), les domaines publics, les rxc3xa9seaux sociaux, etc.
Que recherchons-nous pour ce poste ?
Qualifications minimales
Au moins 4 ans dexpxc3xa9rience pertinente en finance/comptabilitxc3xa9 ou xc3xa0 un poste similaire sont gxc3xa9nxc3xa9ralement requis, dont au moins 2 ans dexpxc3xa9rience en tant quanalyste crxc3xa9dit.
Qualifications souhaitxc3xa9es
Licence en finance, comptabilitxc3xa9, statistiques ou commerce, avec une spxc3xa9cialisation mettant laccent sur les compxc3xa9tences mathxc3xa9matiques et analytiques.
Summary of This Role
Analyzes credit data and financial information to determine potential risk and to be able to make informed credit decisions for deals or applications while ensuring adherence to general credit goals and strategy. Reviews portfolios to ensure quality assurance standards are being maintained while identifying and quantifying risk to mitigate exposure on all deals and clients. Prepares detailed credit analyses as needed for upper management regarding credit approvals. Explains decision and terms of approval thoroughly. Adheres to the financial plan and to the service level agreement productivity and efficiency levels.
What Part Will You Play?
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), customers future delivery risk reporting, etc. Renders a credit decision for small to moderately complex deals and applications to approve, decline or pend the deal. Utilizes other data sources such as FTC site, and other relevant government agencies (federal and state), public domains, social media, etc.
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. Explains the decision and terms of approval, which may include moderately complex negotiations for reserves, collateral and other forms of security and/or protection such as funding delay, periodic financial disclosure, guarantees, letters of credit, etc.
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. May also perform various operational audits, risk assessments and post mortems (forensic loss reviews) to ensure and validate compliance to 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. May present the explanation of the credit analysis and justification for the recommendations.
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.
What Are We Looking For in This Role?
Minimum Qualifications

• Typically minimum 4 years relevant experience in finance/accounting or similar position required, including a minimum of 2 years experience as a Credit Analyst.

Preferred Qualifications

• Bachelor's Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - A seasoned, experienced professional with a full understanding of area of specialization; resolves a wide range of issues in creative ways. This job is the fully qualified, career-oriented, journey-level position.
• Job Complexity - Works on problems of diverse scope where analysis of data requires evaluation of identifiable factors. Demonstrates good judgment in selecting methods and techniques for obtaining solutions. Networks with senior internal and external personnel in own area of expertise.
• Supervision -Normally receives little instruction on day-to-day work, general instructions on new assignments.

We sincerely thank all applicants for their interest. We will only contact those selected for an interview.
Global Payments Inc. is an equal opportunity employer.
Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department.
This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the discretion of the Global Payments/TSYS.
Benefits:
Global Payments offers a comprehensive benefits package to all of our team members, including medical, dental and vision care, EAP programs, paid time off, recognition programs, retirement and investment options, charitable gift matching programs, and worldwide days of service. To learn more, review our Benefits page at:
#LI-Hybrid
Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact .