Commercial Credit Underwriter III

At TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation.     Every day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment.  The Commercial Credit Underwriter III is a dynamic global credit risk role within a best-in-class risk team, helping drive sustainable growth while managing risk to prescribed levels.  They are responsible for analyzing and supporting credit decisions for larger public or privately held businesses across several industries and geographic locations, ensuring decisions are rendered timely and within stated risk appetite.     They collaborate across multiple risk and business teams to meet client credit needs while proactively ensuring a robust culture of compliance with risk appetite.     Responsibilities:  ·       Evaluate international, multi-industry commercial credit applicants for creditworthiness, assessing complex financial documents, industry/country risks, and payment behavior profiles.  ·       Leverage internal and external data to assess risk and creditworthiness.  ·       Provide structure and decision recommendations within stated risk appetite.  ·       Hold a level of credit approval authority and occasionally interact directly with applicants.  ·       Work independently without direct supervision.  ·       Communicate efficiently and effectively with senior management to elevate credit issues.  ·       Help drive and support innovation and continuous efficiency improvement.     Requirements:  ·       Bachelor’s or master’s degree in Accounting, Finance or equivalent; or formal financial analysis training and credit assessment courses  ·       Foundational knowledge of commercial business credit philosophy and policies, loan documentation, bankruptcy, and regulatory environment.  ·       Strong verbal, written, and interpersonal skills.  ·       Strong analytical and problem-solving skills.  ·       Ability to formulate and articulate objective views based upon professional analysis.  ·       Works effectively in a team environment, while assuming individual responsibility.        Preferred Qualifications:  ·       7+ years of commercial credit underwriting  ·       Experience with Moody’s CreditLens  ·       Experience in fraud detection best practices associated with on-line lending.  ·       Experience with international lending.