Credit Coordinator
On-siteHagerstown, Maryland, United States
Job Summary
Conduct initial credit investigations on merchant applications by reviewing business and personal credit reports, financial documentation, public records, and business validation information. Verify merchant legitimacy through Know Your Customer (KYC), ownership verification, website reviews, and industry research. Gather and analyze financial statements, tax returns, bank statements, and processing projections to identify potential credit and fraud risks. Document investigative findings and prepare concise risk summaries and recommendations for underwriters and risk managers. Monitor application workflow queues to ensure timely follow-up on outstanding documentation and inquiries. Collaborate with Sales, Operations, Fraud, Compliance, Funding, and external partners to resolve underwriting concerns and support risk mitigation efforts. Maintain compliance with card network rules, Bank policies, AML/BSA requirements, and Merchant Services underwriting procedures.
Required Qualifications
- Bachelors degree
- At least 5 years of experience in credit analysis, underwriting, fraud investigations, banking, payments, or financial services
- Applicants must be currently authorized to work in the United States on a full-time basis
Desired Qualifications
- Coursework or experience involving financial statement analysis, lending, accounting, or risk assessment
- Strong analytical and problem-solving abilities
- Basic understanding of Know Your Customer rules, financial statements, credit reports, and business cash flow analysis
- Excellent written and verbal communication skills
- Strong organizational skills with attention to detail
- Proficiency in Microsoft Excel, Word, and Outlook
- Ability to manage multiple priorities in a fast-paced environment
- Demonstrated ability to exercise sound judgment and maintain confidentiality
- Knowledge of Merchant Services, payment processing, or risk management principles
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