Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services.  Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results.  We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions.  Join our dynamic team and make your mark on the payments technology landscape of tomorrow. 

Résumé du rôle

Analyser les données de crédit et les informations financières afin de déterminer les risques potentiels et de prendre des décisions de crédit éclairées pour les transactions ou les demandes, tout en garantissant le respect des objectifs et de la stratégie de crédit généraux. Examiner les portefeuilles pour garantir le respect des normes d'assurance qualité, tout en identifiant et en quantifiant les risques afin de réduire l'exposition sur toutes les transactions et tous les clients. Préparer des analyses de crédit détaillées, si nécessaire, pour la haute direction concernant les approbations de crédit. Explique minutieusement les décisions et les conditions d'approbation. Respecter le plan financier et les niveaux de productivité et d'efficacité du contrat de service.

Quel rôle jouerez-vous ?

Analyse les informations relatives au crédit et aux risques, telles que : les rapports de solvabilité (consommateurs et commerciaux), l’évaluation du modèle économique par le site web, les conditions générales, les accords juridiques entre clients directs et indirects, les états financiers (historiques et projections), les inspections de sites, les relevés de traitement, les vérifications d’antécédents, les différentes licences et outils de gestion des risques tiers pour la connaissance du client (KYC), les documents juridiques (LexisNexis, Pacer), les informations sur les systèmes de cartes (informations sur les dossiers négatifs), les rapports sur les risques liés aux livraisons futures des clients, etc. Rend une décision de crédit pour les transactions de petite à moyenne complexité et les demandes d’approbation, de refus ou de suspension de la transaction. Exploite d’autres sources de données telles que le site de la FTC et d’autres agences gouvernementales compétentes (fédérales et étatiques), les domaines publics, les réseaux sociaux, etc.

Que recherchons-nous pour ce poste ?
Qualifications minimales

Au moins 4 ans d’expérience pertinente en finance/comptabilité ou à un poste similaire sont généralement requis, dont au moins 2 ans d’expérience en tant qu’analyste crédit.

Qualifications souhaitées

Licence en finance, comptabilité, statistiques ou commerce, avec une spécialisation mettant l’accent sur les compétences mathématiques et analytiques.

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Summary of This Role

Analyzes credit data and financial information to determine potential risk and to be able to make informed credit decisions for deals or applications while ensuring adherence to general credit goals and strategy.  Reviews portfolios to ensure quality assurance standards are being maintained while identifying and quantifying risk to mitigate exposure on all deals and clients.  Prepares detailed credit analyses as needed for upper management regarding credit approvals.  Explains decision and terms of approval thoroughly.  Adheres to the financial plan and to the service level agreement productivity and efficiency levels.

What Part Will You Play?

Analyzes credit and risk information, such as: credit reports (both consumer and commercial), website assessment of business model, terms and conditions, legal agreements between direct and indirect customers, financial statements (historical and projections), site inspections, processing statements, background checks, various licenses and third party risk tools for Know Your Customer (KYC) purposes, legal filings (LexisNexis, Pacer), Card Scheme information (negative file info), customer’s future delivery risk reporting, etc. Renders a credit decision for small to moderately complex deals and applications to approve, decline or pend the deal. Utilizes other data sources such as FTC site, and other relevant government agencies (federal and state), public domains, social media, etc.

Identifies, quantifies and mitigates risk exposure on all deals using credit policy framework, risk models, risk tables and assumptions, business terms and conditions, and relevant financial information.

“Sells” the credit decision to the prospect, channel partner, sales representative and/or relationship manager after structuring the deal terms. Explains the decision and terms of approval, which may include moderately complex negotiations for reserves, collateral and other forms of security and/or protection such as funding delay, periodic financial disclosure, guarantees, letters of credit, etc.

Begins to assist in the formulation and enforcement of credit policies and procedures, including risk acceptance criteria, sponsor bank policies, Card Scheme rules and regulations, and TSYS corporate policies.  May also perform various operational audits, risk assessments and post mortems (forensic loss reviews) to ensure and validate compliance to policies.

Prepares detailed credit analysis (executive approval/credit memos) for routing to and review by upper management so that second signatures and concurrences can be obtained. May present the explanation of the credit analysis and justification for the recommendations.

Typically conducts due diligence on portfolios to be converted and/or to be acquired, identifying high risk accounts for structuring and/or accounts to be excluded from the deal.

Begins to serve as a resource for less experienced credit analysts. May review and provide feedback of other's work product.

What Are We Looking For in This Role?Minimum QualificationsTypically minimum 4 years relevant experience in finance/accounting or similar position required, including a minimum of 2 years experience as a Credit Analyst.

Preferred QualificationsBachelor's Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills.

What Are Our Desired Skills and Capabilities?Skills / Knowledge - A seasoned, experienced professional with a full understanding of area of specialization; resolves a wide range of issues in creative ways. This job is the fully qualified, career-oriented, journey-level position.Job Complexity - Works on problems of diverse scope where analysis of data requires evaluation of identifiable factors. Demonstrates good judgment in selecting methods and techniques for obtaining solutions. Networks with senior internal and external personnel in own area of expertise.Supervision -Normally receives little instruction on day-to-day work, general instructions on new assignments.

We sincerely thank all applicants for their interest. We will only contact those selected for an interview.

Global Payments Inc. is an equal opportunity employer.

Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the Human Resources Department.

This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the discretion of the Global Payments/TSYS.

Benefits:

Global Payments offers a comprehensive benefits package to all of our team members, including medical, dental and vision care, EAP programs, paid time off, recognition programs, retirement and investment options, charitable gift matching programs, and worldwide days of service. To learn more, review our Benefits page at: https://jobs.globalpayments.com/en/why-global-payments/benefits/

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Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact jobs@globalpay.com.