Redstone Payment Solutions
At Redstone Payment Solutions, we believe in the power of relationships, built on trust, honesty, and a commitment to delivering exceptional service. Since 1994, our family-owned business has been at the forefront of the payment processing industry, helping businesses grow by providing secure, cutting‑edge tailored to their needs.
The Underwriting Analyst is responsible for collecting, analyzing, and entering merchant information to support sound business decisions regarding short‑term funding. This role requires strong analytical ability, diligence, and collaboration across teams to ensure accurate decisions.
Prescreening & Prequalification
Enter merchant application data accurately into internal systems
Retrieve and evaluate credit information multiple credit sources
Review and analyze bank statements and credit reports
Underwriting Analysis & Decision-Making
Assess all gathered information to determine business eligibility
Identify whether sufficient information exists to make decisions
Request additional documentation as needed
Make and document decisions to properly status an application to pend, decline, or approve based on underwriting criteria
Utilize the underwriting matrix and other company policies to guide decisions
Exercise judgment using client data, credit bureau information, reference checks, and other third‑party resources
Collaboration & Communication
Partner effectively with the underwriting and risk teams
Identify and report any questionable business activities to the appropriate departments
Collaborate with merchants, ISOs, sales representatives, and internal operations teams
Application & Account Review
Conduct reference checks with outside vendors as required
Perform quality assurance reviews post‑transmission to ensure accuracy and completeness
Additional Responsibilities
Provide secondary support by answering and directing incoming phone calls
Deliver excellent customer service to both internal and external partners
Perform other duties as assigned to support departmental and organizational objectives
Qualifications
Associate or Bachelor’s degree, or equivalent combination of education and work experience
Minimum of 3 years of experience in financial services, underwriting, or credit analysis
Strong ability to interpret and analyze credit reports and financial data
Exceptional diligence and accuracy in a demanding environment
Proficient data entry and organizational skills with the ability to manage multiple priorities
Elevated level of integrity and discretion when overseeing sensitive information
Excellent problem‑solving, analytical, and decision‑making abilities
Strong written and verbal communication skills
Demonstrated initiative, ownership, and sense of urgency in achieving results
Positive attitude with the ability to thrive in a dynamic environment
Health and wellness
Medical, dental, and vision insurance: Comprehensive medical, dental, and vision insurance plans with options for your dependents.
Mental health support: Access to mental health services and wellness programs.
Financial security
Retirement plan: 401(k) retirement savings plan with a company match.
Life insurance: Employer‑paid life insurance policy.
Disability insurance: Short‑term and long‑term disability insurance.
Work‑life balance and time off
Paid time off (PTO): Paid time off (PTO) plus paid sick leave and holidays.
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The Underwriting Analyst is responsible for collecting, analyzing, and entering merchant information to support sound business decisions regarding short‑term funding. This role requires strong analytical ability, diligence, and collaboration across teams to ensure accurate decisions.
Prescreening & Prequalification
Enter merchant application data accurately into internal systems
Retrieve and evaluate credit information multiple credit sources
Review and analyze bank statements and credit reports
Underwriting Analysis & Decision-Making
Assess all gathered information to determine business eligibility
Identify whether sufficient information exists to make decisions
Request additional documentation as needed
Make and document decisions to properly status an application to pend, decline, or approve based on underwriting criteria
Utilize the underwriting matrix and other company policies to guide decisions
Exercise judgment using client data, credit bureau information, reference checks, and other third‑party resources
Collaboration & Communication
Partner effectively with the underwriting and risk teams
Identify and report any questionable business activities to the appropriate departments
Collaborate with merchants, ISOs, sales representatives, and internal operations teams
Application & Account Review
Conduct reference checks with outside vendors as required
Perform quality assurance reviews post‑transmission to ensure accuracy and completeness
Additional Responsibilities
Provide secondary support by answering and directing incoming phone calls
Deliver excellent customer service to both internal and external partners
Perform other duties as assigned to support departmental and organizational objectives
Qualifications
Associate or Bachelor’s degree, or equivalent combination of education and work experience
Minimum of 3 years of experience in financial services, underwriting, or credit analysis
Strong ability to interpret and analyze credit reports and financial data
Exceptional diligence and accuracy in a demanding environment
Proficient data entry and organizational skills with the ability to manage multiple priorities
Elevated level of integrity and discretion when overseeing sensitive information
Excellent problem‑solving, analytical, and decision‑making abilities
Strong written and verbal communication skills
Demonstrated initiative, ownership, and sense of urgency in achieving results
Positive attitude with the ability to thrive in a dynamic environment
Health and wellness
Medical, dental, and vision insurance: Comprehensive medical, dental, and vision insurance plans with options for your dependents.
Mental health support: Access to mental health services and wellness programs.
Financial security
Retirement plan: 401(k) retirement savings plan with a company match.
Life insurance: Employer‑paid life insurance policy.
Disability insurance: Short‑term and long‑term disability insurance.
Work‑life balance and time off
Paid time off (PTO): Paid time off (PTO) plus paid sick leave and holidays.
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