Credit Underwriter I

Overview: We are looking for the right candidate to support our application process, including merchant submissions and partner relationships. This position will act as a liaison with our customers and internal stakeholders to support a smooth and efficient application process and will have a unique opportunity to learn and grow with the business. Duties: Act as the main point of contact and support for internal stakeholders, bank contacts, and other industry partners Review and process merchant applications for placement with banking partners, analyzing according to internal policy and standard industry practices Maintain and develop banking and agent relationships to drive future growth Manage and monitor the flow of incoming merchant applications to ensure timely and sound credit decisions. Ensure data integrity within CRM and document repositories. Ensure effective communication on pending applications and application decisions with RM, Sales, and leadership teams. Update notes on all pending investigations, reviews and credit limit approvals. Obtain and evaluate credit ratings from credit bureaus, banks and trades on applications. File documents and files from the Credit Department and ensure proper accessibility of documentation. Review and and interpret credit reports, Balance Sheets, Profit/Loss Statements, D&B reports, Tax Returns and Consolidated Financial Audit Reports Create and review Executive Summaries as needed, provide financial analysis and utilize various financial calculations such as EBITDA, Total Exposure, Total Assets, Total Liabilities, Tangible Net Worth, Leverage Ratio and Interest Coverage. Support relationships with merchant account maintenance, account updates, etc. Data entry into multiple systems Organize application documentation and provide detailed application tracking Other duties as assigned Required Skills Excellent organizational skills and attention to detail Excellent verbal and written communication skills Strong typing skills and familiarity with Excel Ability to develop strong client relationships Merchant service industry experience preferred but not required Microsoft Office suite Data Entry If you are a proactive individual with excellent organizational skills and a passion for supporting leadership in a fast-paced environment, we would love to hear from you. Join our team as an Credit Underwriter and contribute to the success of our organization. Argyle Payments supports payment processing for a wide variety of merchants, including retail, ecommerce, and niche merchants who require more attention, care and monitoring. The company streamlines the merchant application process through in-house credit underwriting and timely decisioning, as well as maximizing customer success through compliance support, governance best practices and a metrics-driven approach. Argyle is a registered ISO / TPP of SSB Bank, Pittsburgh, Pennsylvania and partners with several other leading banks and industry institutions to find the right home for each business it works with to get merchant accounts approved. A privately held Nevada corporation, Argyle has offices in Costa Mesa and Simi Valley, California. For more information, please visit argylepayments.com. Note: This job description is intended to provide a general overview of the position. It is not exhaustive or comprehensive. Other duties may be required or assigned based on business needs. Job Type: Full-time Pay: $50,000.00 - $60,000.00 per year Benefits: 401(k) 401(k) matching Dental insurance Health insurance Paid time off Vision insurance Schedule: Monday to Friday Ability to Relocate: Costa Mesa, CA 92626: Relocate before starting work (Required) Work Location: In person