Underwriting Manager
$85,000–$100,000 year
On-siteAnaheim, California, United States
Job Summary
Lead and coach the underwriting team, managing workload distribution, performance reviews, and training while actively reviewing complex, elevated-risk merchant applications. Monitor application volume, turnaround times, and accuracy to ensure adherence to company and sponsor bank requirements. Serve as the primary escalation point for underwriting exceptions, evaluating credit, fraud, and operational risks to recommend reserves, funding controls, and processing limits. Partner with Risk, Compliance, Sales, and Executive Leadership to resolve application concerns, support sponsor bank reviews, and track department metrics. Maintain underwriting policies and decision matrices while identifying emerging fraud patterns and process gaps.
Required Qualifications
- Advanced knowledge of merchant acquiring, payment processing, credit underwriting, and portfolio risk
- Strong understanding of sponsor bank requirements, card-brand rules, fraud indicators, chargeback exposure, and merchant business models
- Proven ability to lead, coach, and hold a team accountable
- Strong experience reviewing complex financial statements, tax returns, bank statements, credit reports, processing histories, and ownership structures
- Ability to make sound, timely, and defensible decisions involving elevated or conflicting risk factors
- Strong understanding of underwriting controls such as reserves, delayed funding, volume limits, average-ticket limits, and conditional approvals
- Excellent leadership, communication, and interpersonal skills
- Ability to communicate risk decisions effectively to sales teams, agents, executives, and external partners
- Strong analytical, organizational, and process-improvement skills
- Ability to manage competing priorities in a fast-paced, high-volume environment
- Strong documentation and reporting skills
- Proficiency with Microsoft Office, Adobe Acrobat, CRM platforms, and third-party underwriting systems
- Five or more years of merchant services underwriting experience
- Two or more years of underwriting leadership, supervisory, or team-lead experience
- Experience managing application queues, quality reviews, employee performance, and underwriting escalations
Desired Qualifications
- Experience working directly with sponsor banks, compliance teams, or risk leadership
- Experience developing underwriting procedures, training materials, or decisioning standards
- Experience using TSYS systems
- Bachelor's degree in finance, accounting, business, economics, or a related field
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