Credit Risk Underwriter

  • St. Louis, MO, USA
  • Full-time

Company Description

We believe the economy is better when everyone has access. When everyone has room to grow. No one should be left out because the cost is too great or the technology too complex. We started with a little white credit card reader but haven’t stopped there. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

We are looking for a Credit Risk Underwriter to help manage chargeback risk for some of the largest sellers processing on Square. The ideal candidate will have strong commercial credit underwriting skills, and takes joy in scouring financial statements to understand a companys business model, key risks, and mitigating factors. They also want to use those skills to do better for our sellers by creating underwriting frameworks, informing new tools, and supporting product growth. Lastly, they will be a self-starter, able to prioritize effectively in a fast-paced environment while taking every opportunity to improve our operations and our people.

  • Conduct in-depth credit reviews of our most strategic and high-risk sellers, including preparing credit memorandums for approval by senior management

  • Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated

  • Support principled risk-taking in emerging products by building frameworks for credit analysis 

  • Contribute to the development of credit policies and add structure to areas of ambiguity

  • Proactively identify ways to improve our underwriting and operations; effectively prioritize and collaborate cross-functionally to execute on strategic initiatives 

  • Share learnings and expertise with team; drive accountability for team-level and individual results


  • 2-7 years of experience in commercial banking, credit, or payment industries

  • Advanced commercial credit underwriting skills, including complex financial statement analysis

  • Understanding and familiarity with diverse risk management tools and techniques

  • Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information

  • Able to prioritize effectively and meet deadlines in a high-growth environment

  • Data analysis skills and ability to translate findings into interpretable business case

  • BA/BS in Accounting, Finance, Economics, or a related field

  • Intermediate Excel/Sheets required; SQL a plus


You Have:

  • 2-7 years of professional experience in commercial banking, credit, or payment industries

  • Exceptional underwriting and financial statement analysis skills

  • Comfort with diverse risk management tools and techniques; takes principled risks in testing and applying in practice with an eye towards standardization

  • Excellent professional communications skills; able to build relationships and influence others

  • Strong strategic mindset; ability to see big-picture and translate into actionable steps

  • Prioritizes key business needs based on quantifiable impact and resources; able to drive strategic initiatives from scoping to implementation with little to no oversight

  • Strong leadership ability. Has experience managing people, providing clear goals and feedback necessary to achieve individual and team objectives.

  • Data analysis skills and ability to translate findings into interpretable business case

  • BA/BS in a related field; MBA/Masters a plus

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at) We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.

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