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.

**ROLE OVERVIEW**:
**Main Duties include**:

- To detect & monitor changes in existing customers processing
- Analyse existing merchants who have breached predefined parameters
- Complete financial and business analysis reports within our systems or in written form as required
- Responsible for the investigation of additional risk on existing accounts
- Working closely with our Fraud, Chargebacks & Collections Departments
- Make credit decisions within allocated sign off level
- Dealing with customers 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

**Main Qualification, Skills and Experience include**:

- Business degree or similar qualification;
- Excellent credit analysis and analytical skills
- Strong verbal and written communication skills in English
- Excellent decision making skills
- Accuracy and attention to detail
- Ability to work in a fast-paced pressurised environment
- Good Microsoft Office Skills
- Previous credit underwriting experience is an advantage
- Ability to read and interpret financial statements
- Self-motivator who works effectively on their own initiative;
- 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

**Learn how** the way we work at U.S. Bank drives meaningful relationships with our customers and collaboration across the company.

**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.