Junior Credit Analyst

A leader in the payments industry, Elavon provides end-to-end payment processing solutions and services to more than one million merchants around the world. If you want to make a difference in your life, your community and your world, join us at Elavon. We know our company is only as strong as our people, and we are committed to your professional growth and success. Elavon is part of the U.S. Bank family, a diverse workplace, where we celebrate the individuality of each member of our global team.

Responsible for conducting credit analyses including gathering, analyzing and interpreting all types of credit information on the existing portfolio. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Prepares and presents credit reports to person(s) responsible for making credit decisions. Sets up and maintains databases used to analyze accounts and/or portfolios. Accounts will be monitored to identify potential risk to mitigate losses to Elavon. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information relative to credit inquiries to appropriate parties.

**Main Duties include**:

- Analyze existing customers with exposure below €750K
- Complete financial and business analysis reports within our systems or in written form as required
- Work closely with our Customer Due Diligence & Fraud, Collections, Chargebacks Departments when required
- Make credit decisions on the cases assigned
- Deal with customers and Sales team on a range of credit & risk issues
- Effective time management and ability to meet deadlines
- Good team player
- Ability to identify when an issue needs to be escalated
- Positive approach and the ability to be self-motivated
- Support management with tasks as necessary

**Basic Qualifications**:

- Bachelor's degree, or equivalent work experience
- Two to three years of related experience

**Preferred Skills/Experience**:

- Ability to read and interpret financial statements;
- Previous credit underwriting experience is an advantage;
- Strong verbal and written communication skills in English;
- Accuracy and attention to detail;
- Ability to work in a fast-paced environment;
- Good Microsoft Office Skills;
- Excellent interpersonal skills and customer service;
- Proven track record of dealing with difficult customer queries and providing excellent customer service;
- Alternative language skills are an advantage but not a requirement;

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**Benefits**:
We offer an exciting, fast-paced and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security; and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

This is an Elavon posting. Elavon is a part of the U.S. Bank family.