Underwriter

Underwriter Orange, CA Job Details Full-time $55,000 - $60,000 a year 1 day ago Benefits Health insurance Dental insurance Paid time off Vision insurance Qualifications Portfolio monitoring Underwriting Credit risk assessment Process optimization Process improvement Mid-level Risk mitigation strategy implementation 3 years Analysis skills Policy & process development Attention to detail Bank experience Decision making Financial review and approval process implementation Risk analysis Brand guidelines Organizational skills Credit report review Fraud prevention and detection Cross-functional collaboration Critical thinking Bank Secrecy Act Escalation handling Communication skills Risk Mitigation Credit analysis Banking regulatory compliance Full Job Description Job Overview Beyond Bancard, a rapidly growing full-service ISO and payment processing provider, is seeking an experienced and analytical Underwriter to join our expanding team. This role is ideal for a merchant services professional with experience reviewing both standard and high-risk verticals who understands how to balance risk mitigation with portfolio growth. We are looking for someone who can make sound credit decisions, support sales with structured deal approvals, and help increase pull-through while maintaining compliance and portfolio integrity. You will work closely with Relationship Managers, sales partners, backend operations, and sponsoring banks to ensure efficient approvals and strong long-term merchant performance. Responsibilities Review merchant applications, financial statements, processing history, and supporting documentation Underwrite standard and high-risk verticals in accordance with bank and card brand guidelines Assess creditworthiness, chargeback exposure, fraud risk, and business model sustainability Structure approvals with appropriate terms, reserves, and conditions to mitigate risk Partner with sales and Relationship Managers to improve pull-through while maintaining risk standards Communicate approval conditions and risk rationale clearly and professionally Maintain compliance with card brand rules (Visa, Mastercard, etc.) and sponsor bank requirements Monitor portfolio trends and identify risk patterns within specific verticals Collaborate with banks on exception requests and escalations Contribute to underwriting process improvements and policy development Requirements 3+ years of merchant services underwriting experience Direct experience reviewing high-risk verticals (e.g., travel, continuity/subscription, digital goods, supplements, CBD, adult, etc.) Strong understanding of chargeback monitoring programs and card brand risk thresholds Experience structuring reserves, rolling reserves, delayed funding, and other risk controls Ability to balance risk management with sales enablement to increase pull-through Strong analytical and decision-making skills Excellent written and verbal communication skills Ability to work efficiently in a high-volume, fast-paced environment High attention to detail and strong organizational skills

Pay:

$55,000.00 - $60,000.00 per year

Benefits:

Dental insurance Health insurance Paid time off Vision insurance

Work Location:

In person