Underwriter (In Office//Not Remote)
US Alliance Group, Inc, Rancho Santa Margarita, CA, United States
Underwriter
Company:
US Alliance Group, Inc. (USAG) Location:
Rancho Santa Margarita, CA 92688 (On-site position) Job Type:
Full-time Salary:
$30.00 - $36.00 (Hourly) Schedule:
Monday - Friday, 8:00 AM - 5:00 PM
About US Alliance Group, Inc. (USAG) Based in Rancho Santa Margarita, California, USAG is a one-stop-shop merchant service provider in the U.S. delivering the country’s most diverse portfolio of payment processing and financial services. From credit and debit card processing to ACH transfers, gift cards, ATMs, merchant cash advances, consumer lending, and beyond, USAG provides seamless, secure, and cost-effective solutions that empower businesses of all sizes to increase their cash flow, optimize their operations, and enhance their customer convenience. Through strong relationships with top manufacturers, processors, banks, and network members, we continue to evolve with industry changes to deliver the most innovative payment technologies and become a trusted partner for thousands of merchants across the United States.
About The Role The primary focus of the
Underwriter
is to review, analyze, make confident decisions, and recommend for merchant applications. Analytical thought and attention to detail are imperative as is strong communication with related departments.
Underwriters
work closely with our
Sales Support team
to provide a seamless customer experience while ensuring appropriate risk assessment and controls.
Key Responsibilities
Review merchant applications and determine degree of risk by examining application forms, financials, credit, banking and business history
Compile complete and concise underwriting packets for merchant accounts including written summaries of risk assessment and evidence of findings
Validate and verify the legitimacy of the merchant’s business
Evaluate owner and business financial standing and credit worthiness
Conduct various KYC checks
Assess risk by evaluating the merchant’s industry type, transaction volume, average ticket, delivery timeframes, etc.
Able to handle a broad range of volumes, ticket amounts and standard merchant documentation
Can analyze a mix of merchant applications in a wide variety of business types
Resolve discrepancies by utilizing available resources
Analyze previous processing statements to determine potential exposure
Assign the appropriate MCC that best identifies the merchant’s product or service
Make reserve recommendations as needed
Communicate with Sales and Acquiring Banks
Conduct periodic reviews on existing merchant accounts
Ensure internal systems are kept up-to-date with notes, supporting documentation and application updates
Understand the company commitments to uphold industry standards and how merchants may affect the company both financially and ethically
Participate in continuing education and stay informed on market and industry trends as it relates to fraud and risk
Contribute to the success of the team
Qualifications
1-2 years full-time customer service, data entry, credit or risk-based experience preferred
High School diploma or equivalent – minimum requirement; professional training is a plus
Must be able to sit for extended periods of time
Must be a team-oriented individual with a willingness to work all levels of applications with a positive attitude
Remain calm during escalated issues; not becoming defensive or irritated in stressful situations
Service-oriented and able to resolve grievances
Communicate effectively by telephone, email and in group meetings and discussions
Strong interpersonal skills and confidence interfacing with direct reports, peers, management, customers, and vendors
Good typing skills: excellent grammar skills required for electronic responses, recording of findings and communication with management
Ability to follow directions and procedures accurately, to organize facts and figures and present thoughts and ideas in a comprehensive format
Maintain a high level of productivity in a fast-paced environment
Basic arithmetic (addition, subtraction, multiplication, division)
Proficient computer skills with the ability to learn new software
Must be able to use the phone, calculator, computer, computer printer, fax, photocopier, and other standard office equipment
Compensation & Benefits USAG offers a competitive hourly salary and a comprehensive benefits package designed to support our employees:
Employee Incentives
Paid Vacation Time
Medical and Dental/Vision Package
Simple IRA
A great work environment where your contributions are valued.
Application Process If you are interested in joining our team as an Underwriter, please submit your resume online via Indeed.
This position is subject to a background check, credit report, and pre-employment drug screening.
To review US Alliance Group Inc.’s CCPA Employee Notice, please copy and paste the following link into your web browser: https://checkpoint.url-protection.com/v1/r01/url?o=https://usag-inc.com/ccpa-employee-notice/&g=NzI2YWRlZmFiZGI1Y2MzYg==&h=ZDFjYTNlZmU1NTgzMzM5NDkxMDA2MWYyNjYzN2E2YjIyZDI1NWZmMTJlZmJmZGQ5MWNmOTczYjUxMjNkNzg5Yw==&p=Y3AxOnVzYWxsaWFuY2Vncm91cGluYzpjOm86M2Q2ZWRkYjMwYjAyNzk4MGRlYTFiYmEwNGQwNWRhODY6Nzp0OlQ=
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US Alliance Group, Inc. (USAG) Location:
Rancho Santa Margarita, CA 92688 (On-site position) Job Type:
Full-time Salary:
$30.00 - $36.00 (Hourly) Schedule:
Monday - Friday, 8:00 AM - 5:00 PM
About US Alliance Group, Inc. (USAG) Based in Rancho Santa Margarita, California, USAG is a one-stop-shop merchant service provider in the U.S. delivering the country’s most diverse portfolio of payment processing and financial services. From credit and debit card processing to ACH transfers, gift cards, ATMs, merchant cash advances, consumer lending, and beyond, USAG provides seamless, secure, and cost-effective solutions that empower businesses of all sizes to increase their cash flow, optimize their operations, and enhance their customer convenience. Through strong relationships with top manufacturers, processors, banks, and network members, we continue to evolve with industry changes to deliver the most innovative payment technologies and become a trusted partner for thousands of merchants across the United States.
About The Role The primary focus of the
Underwriter
is to review, analyze, make confident decisions, and recommend for merchant applications. Analytical thought and attention to detail are imperative as is strong communication with related departments.
Underwriters
work closely with our
Sales Support team
to provide a seamless customer experience while ensuring appropriate risk assessment and controls.
Key Responsibilities
Review merchant applications and determine degree of risk by examining application forms, financials, credit, banking and business history
Compile complete and concise underwriting packets for merchant accounts including written summaries of risk assessment and evidence of findings
Validate and verify the legitimacy of the merchant’s business
Evaluate owner and business financial standing and credit worthiness
Conduct various KYC checks
Assess risk by evaluating the merchant’s industry type, transaction volume, average ticket, delivery timeframes, etc.
Able to handle a broad range of volumes, ticket amounts and standard merchant documentation
Can analyze a mix of merchant applications in a wide variety of business types
Resolve discrepancies by utilizing available resources
Analyze previous processing statements to determine potential exposure
Assign the appropriate MCC that best identifies the merchant’s product or service
Make reserve recommendations as needed
Communicate with Sales and Acquiring Banks
Conduct periodic reviews on existing merchant accounts
Ensure internal systems are kept up-to-date with notes, supporting documentation and application updates
Understand the company commitments to uphold industry standards and how merchants may affect the company both financially and ethically
Participate in continuing education and stay informed on market and industry trends as it relates to fraud and risk
Contribute to the success of the team
Qualifications
1-2 years full-time customer service, data entry, credit or risk-based experience preferred
High School diploma or equivalent – minimum requirement; professional training is a plus
Must be able to sit for extended periods of time
Must be a team-oriented individual with a willingness to work all levels of applications with a positive attitude
Remain calm during escalated issues; not becoming defensive or irritated in stressful situations
Service-oriented and able to resolve grievances
Communicate effectively by telephone, email and in group meetings and discussions
Strong interpersonal skills and confidence interfacing with direct reports, peers, management, customers, and vendors
Good typing skills: excellent grammar skills required for electronic responses, recording of findings and communication with management
Ability to follow directions and procedures accurately, to organize facts and figures and present thoughts and ideas in a comprehensive format
Maintain a high level of productivity in a fast-paced environment
Basic arithmetic (addition, subtraction, multiplication, division)
Proficient computer skills with the ability to learn new software
Must be able to use the phone, calculator, computer, computer printer, fax, photocopier, and other standard office equipment
Compensation & Benefits USAG offers a competitive hourly salary and a comprehensive benefits package designed to support our employees:
Employee Incentives
Paid Vacation Time
Medical and Dental/Vision Package
Simple IRA
A great work environment where your contributions are valued.
Application Process If you are interested in joining our team as an Underwriter, please submit your resume online via Indeed.
This position is subject to a background check, credit report, and pre-employment drug screening.
To review US Alliance Group Inc.’s CCPA Employee Notice, please copy and paste the following link into your web browser: https://checkpoint.url-protection.com/v1/r01/url?o=https://usag-inc.com/ccpa-employee-notice/&g=NzI2YWRlZmFiZGI1Y2MzYg==&h=ZDFjYTNlZmU1NTgzMzM5NDkxMDA2MWYyNjYzN2E2YjIyZDI1NWZmMTJlZmJmZGQ5MWNmOTczYjUxMjNkNzg5Yw==&p=Y3AxOnVzYWxsaWFuY2Vncm91cGluYzpjOm86M2Q2ZWRkYjMwYjAyNzk4MGRlYTFiYmEwNGQwNWRhODY6Nzp0OlQ=
#J-18808-Ljbffr