New

Senior Credit Analyst

Worldpay
$79,400.00 - $129,500.00
United States, Ohio, Cincinnati
Sep 16, 2025
Job Description Are you ready to unleash your full potential? We're looking for people who are passionate about payments to chart Worldpay's path to being the largest and most-loved payments company in the world. About the Team: The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. What You Will Be Doing: The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant's credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay. Obtains and reviews the financial statements of merchants Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant. Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority Communicates effectively and professionally with internal and external clients Exercises sound judgment in assessing potential regulatory and reputational risks Monitors and communicates credit concerns to management Role is hybrid and requires 2-3 days in office What you Bring: 4-7 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos Effective communication skills; attention to detail Strong judgment and decision-making skills Self-starter, able to work independently; possesses a strong sense of ownership Ability to creatively solve problems and achieve company objectives Time management skills with ability to multitask Bonus if you have: Knowledge of merchant acquiring services and the payment processing industry Managing a team of credit underwriters Degree in Finance, Accounting, or similar formal credit training What We Offer You A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team. The opportunity to focus on a broad range of industries and financial topics. A work environment built on collaboration, flexibility and respect A competitive salary and benefits designed to help support your lifestyle and well being #LI-BJ1 Worldpay is committed to providing its employees with an exciting career opportunity and competitive compensation. The pay range for this full-time position is $79,400.00 - $129,500.00 and reflects the minimum and maximum target for new hire salaries for this position based on the posted role, level, and location. Within the range, actual individual starting pay is determined by additional factors, including job-related skills, experience, and relevant education or training. Any changes in work location will also impact actual individual starting pay. Please consult with your recruiter about the specific salary range for your preferred location during the hiring process. The job duties outlined above may be directly, and negatively impacted by a criminal history, which could lead to the withdrawal of a conditional offer. However, all qualified candidates with arrests or convictions will still be considered. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here. If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.