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 Risk Analyst II is responsible for reviewing risk and making credit limit decisions on small business credit applications falling outside of automated decisioning thresholds (grey area). As part of a best-in-class risk team, the Risk Analyst helps drive sustainable growth by making informed fraud and credit risk decisions within established parameters. They utilize various policies, processes and tools and they collaborate across multiple risk and business teams to make and record informed risk decisions. They hold a level of credit approval authority appropriate for the role. Responsibilities: Makes ‘grey area’scored portfolio decisions oncredit applications for small businesses in multiple countries. Evaluates international public and private company credit applications for fraud risk and credit worthiness by assessing documents and data as prescribed by policy Independently delivers and documents analysis to facilitate decision making while adhering to credit policies, guidelines, and applicable regulatory requirements. Identifies additional information requirements needed to properly assess risk of the transaction and works effectively with leadership and partners to promote collection. Interacts directly with customers or clients as needed to fully assess fraud and credit risk. Participates in development of program policies and procedures. Participates in credit department ad-hoc projects as needed. As a senior member of the team, they may frequently interact with program clients, may be delegated certain leader authorities in their absence, and are expected to mentor more junior members of the team. Qualifications: Ability to quickly and accurately evaluate credit applications routed for manual adjudication (grey area) to determine if the credit risk profile is acceptable and to ensure any fraud indicators are acceptably mitigated. 5+ Years of experience in small business application ‘grey area’ adjudication. Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work. Advanced knowledge of commercial credit philosophy and regulatory environment. Strong analytical and problem-solving skills. Ability to formulate and articulate objective views based upon professional analysis. Strong verbal, written, and interpersonal skills. Works effectively in a team environment, while assuming individual responsibility. Demonstrates expert level knowledge of TreviPay’s client programs and credit policies. Qualifies to hold the maximum credit authority for this segment and may occasionally be delegated certain leader authorities in their absence. Experience using at least $50,000 individual credit authority. Preferred Qualifications: International commercial fraud and credit risk experience. Credit risk experience in either indirect, small business or credit card industries in a scored environment. Why you will love working at TreviPay Competitive salary Paid parental leave Generous paid time off Medical, dental, vision, FSA, Life/AD&D, long and short term disability 401K matching Employee referral program At TreviPay we believe: in saying yes to unique and challenging requirements empowered team members are creative team members our products make the customer’s day just a little bit better work/life balance makes us all more effective TreviPay is an Equal Opportunity and Affirmative Action Employer. We welcome all veterans and disabled applicants. Individuals with disabilities will be provided reasonable accommodation to participate in the job application and/or interview process. Please contact Recruiting@trevipay.com to request an accommodation.