Junior Credit Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. 

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. 

Job Description

Elavon is wholly owned by U.S. Bancorp (NYSE: USB) and provides end-to-end payment processing solutions and services to more than 1.3 million customers in the United States, Europe, Canada, Mexico, and Puerto Rico. 

As the #1 provider for airlines and a top five provider for hospitality, healthcare, retail, and public sector/education, Elavon’s innovative payment solutions are designed to solve pain points for businesses from small to enterprise-sized.

Your career is here at Elavon

It’s an exciting time to be in the payments industry, and at Elavon, we know our company is only as strong as our people. We are constantly on the lookout for strong team members who can provide value and superior service to our customers and partners worldwide. Elavon is committed to a diverse workplace, and we celebrate the individuality of each member of our global team.

We draw strength from diversity

At Elavon, embracing diversity and fostering inclusion are business imperatives. We view everything we do through a diversity and inclusion lens to deepen our relationships with our stakeholders.

https://www.elavon.ie/about-elavon/careers.html

https://www.usbank.com/en/AboutHome.cfm

ROLE OVERVIEW:

The successful candidate will be responsible for managing risk on existing customers by conducting credit reviews and analysis on accounts that have breached predefined parameters. This will include gathering and reviewing information such as credit bureau reports, chargeback history reports and customer’s transaction reports. Accounts will be monitored to identify potential risk to mitigate losses to Elavon.

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

U.S. Bank Named One of the 2024 World's Most Ethical Companies. The Ethisphere Institute recognizes U.S. Bank for the 10th consecutive year.

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If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

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.