Merchant Underwriter
Cleveland, OH · On-site
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
Merchant Underwriter
Cleveland, OH · On-site
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
Senior Merchant Underwriter
Cleveland, OH · On-site
$95K - $113K/yr
About the job The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing ...
Senior Merchant Underwriter
Cleveland, OH · On-site
$95K - $113K/yr
About the job The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing ...
Merchant Underwriter
Cleveland, OH · On-site
$55 - $75/hr
FinanceThe primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is ...
Merchant Underwriter
Cleveland, OH · On-site
$55 - $75/hr
FinanceThe primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is ...
Merchant Underwriter
Cleveland, OH · On-site
$65 - $95/hr
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
Merchant Underwriter
Cleveland, OH · On-site
$65 - $95/hr
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and ...
Senior Merchant Underwriter
$95K - $113K/yr
About the job The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing ...
Senior Merchant Underwriter
$95K - $113K/yr
About the job The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing ...
Senior Merchant Underwriter
Cleveland, OH · On-site
$90 - $120/hr
The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing merchants. The ...
Senior Merchant Underwriter
Cleveland, OH · On-site
$90 - $120/hr
The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident credit risk decisions and recommendations for merchant applications and regarding existing merchants. The ...
Senior Merchant Underwriter
Chicago, IL · On-site
$100K - $140K/yr
The Role As a Senior Merchant Underwriter, you will perform critical analyses on all merchant applications. This includes reviews of licenses, legal opinions, transaction activity, and credit risk.
Senior Merchant Underwriter
Chicago, IL · On-site
$100K - $140K/yr
The Role As a Senior Merchant Underwriter, you will perform critical analyses on all merchant applications. This includes reviews of licenses, legal opinions, transaction activity, and credit risk.
Senior Underwriter
Encino, CA · On-site
$70K - $80K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
Senior Underwriter
Encino, CA · On-site
$70K - $80K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
Senior Underwriter
Encino, CA · On-site
$103K - $122K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
Senior Underwriter
Encino, CA · On-site
$103K - $122K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
Senior Underwriter
$103K - $122K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
Senior Underwriter
$103K - $122K/yr
The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
Senior Underwriter
Los Angeles, CA · On-site
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
Senior Underwriter
Los Angeles, CA · On-site
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
Senior Underwriter
California, MO · On-site
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
Senior Underwriter
California, MO · On-site
$70 - $80/hr
Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...
Review and underwrite merchant applications Evaluate bank records and compliance materials Identify credit or fraud risk 2-5 years of experience in merchant underwriting OR mortgage underwriting with ...
Review and underwrite merchant applications Evaluate bank records and compliance materials Identify credit or fraud risk 2-5 years of experience in merchant underwriting OR mortgage underwriting with ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
$110 - $140/hr
Merchant Underwriting & Merchant Risk * Own new merchant underwriting end to end: KYB and entity verification, beneficial ownership and control structure, sanctions and adverse media, financial ...
New
$110 - $140/hr
Merchant Underwriting & Merchant Risk * Own new merchant underwriting end to end: KYB and entity verification, beneficial ownership and control structure, sanctions and adverse media, financial ...
New
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader ...
Merchant Underwriter information
See salary details
$32.5K - $42.2K
5% of jobs
$42.2K - $52K
9% of jobs
$60.6K is the 25th percentile. Wages below this are outliers.
$52K - $61.7K
12% of jobs
$61.7K - $71.4K
20% of jobs
The median wage is $74.5K / yr.
$71.4K - $81.1K
12% of jobs
$87.7K is the 75th percentile. Wages above this are outliers.
$81.1K - $90.9K
25% of jobs
$90.9K - $100.6K
7% of jobs
$100.6K - $110.3K
3% of jobs
$110.3K - $120K
2% of jobs
$120K - $129.8K
2% of jobs
$129.8K - $139.5K
2% of jobs
$32.5K
$78.9K
$139.5K
How much do merchant underwriter jobs pay per year?
As of Sep 6, 2026, the average yearly pay for merchant underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.
What is a merchant underwriter?
A Merchant Underwriter is responsible for assessing the risk of businesses applying for merchant accounts to process credit card transactions. They analyze financial statements, credit history, business models, and industry risks to determine approval and pricing. Their role is crucial in preventing fraud and minimizing financial losses for payment processors and banks. Merchant Underwriters must balance risk assessment with business growth goals while ensuring compliance with industry regulations.
What are the key skills and qualifications needed to thrive as a merchant underwriter?
To thrive as a Merchant Underwriter, you need strong analytical skills, a foundational understanding of credit risk and financial analysis, and typically a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting platforms, credit reporting systems, and industry-specific software such as Salesforce or Sageworks is often required. Keen attention to detail, effective communication, and sound judgment are important soft skills that set candidates apart. These abilities are essential for accurately assessing merchant risk, making informed decisions, and maintaining strong client relationships in a fast-paced financial services environment.
What are some typical challenges faced by merchant underwriters, and how are they addressed?
Merchant Underwriters often face the challenge of balancing risk mitigation with the need to approve quality clients quickly. This requires careful analysis of financial documents, staying updated on fraud trends, and making swift yet accurate decisions under tight deadlines. Collaboration with sales, risk, and compliance teams is common to ensure each applicant is thoroughly evaluated. Training, ongoing professional development, and access to robust risk-assessment tools help underwriters address these challenges effectively.
Do merchant underwriters make a lot of money?
Merchant underwriters typically earn a median salary that is competitive within the financial industry, with earnings varying based on experience, location, and employer. They often receive benefits such as health insurance and retirement plans, and some roles may include bonuses or commissions. Overall, the position offers a stable income but is not usually considered highly lucrative compared to other finance roles.
More about Merchant Underwriter jobs
What are the most commonly searched types of Merchant Underwriter jobs?
The most popular types of Merchant Underwriter jobs are:
What states have the most Merchant Underwriter jobs?
States with the most job openings for Merchant Underwriter jobs include:
What job categories do people searching Merchant Underwriter jobs look for?
The top searched job categories for Merchant Underwriter jobs are:
Full-time
Medical, Dental, Retirement, PTO
Posted 17 days ago
Job description
The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions and recommendations for merchant applications. The ideal candidate for this position is qualified and experienced with a wide range of commercial underwriting in a fast paced deadline driven environment.
The successful candidate will also have the ability to understand and apply best practices guidelines; collect and analyze exposure and loss data; respond efficiently and effectively to internal and external requests; maintain all organizational and professional ethical standards; have the ability to spot trends in monitoring and reporting; and communicate results of analysis to business customers and senior management, all while actively advocating and monitoring compliance.
Responsibilities to Include:
• Conduct commercial credit applicant reviews;
• Analyze a mix of merchant applicants in a wide variety of business types in both a card-present and non-present processing environment;
• Handle a wide range of volumes and ticket amounts, standard documentation and future service liability
• Review and analyze individual and company credit reports including Equifax, Experian and Dunn and Bradstreet;
• Communicate effectively with merchants and sales representatives;
• Communicate effectively with internal company departments, as well as management, as necessary.
Job Requirements:
• 3 years' experience in a commercial underwriting environment
• Typing 50+ WPM or equivalent keystrokes
• Strong organizational skills
• Strong analytical skills
• Strong oral and written communication skills
• Strong organizational skills, ability to multitask, and attention to detail.
• Ability to interpret data based on established criteria.
• Experience reviewing and analyzing individual and company credit reports including Equifax, Experian and Dunn and Bradstreet required
• Must be a team-oriented individual with willingness to work all levels of applicants (not exclusively high level applicants) with a positive attitude
• Flexibility required to work extended shifts as needed
• High School Diploma or equivalent required
• Bachelor's Degree in Business or Finance preferred (or equivalent work experience)
Kurv Offers: Many outstanding benefits including: competitive salary, PTO, 401K plan with company match, paid holidays, company contribution toward health/dental insurance, employee discounts, career growth opportunities, and recognition and rewards for excellence.
The successful candidate will also have the ability to understand and apply best practices guidelines; collect and analyze exposure and loss data; respond efficiently and effectively to internal and external requests; maintain all organizational and professional ethical standards; have the ability to spot trends in monitoring and reporting; and communicate results of analysis to business customers and senior management, all while actively advocating and monitoring compliance.
Responsibilities to Include:
• Conduct commercial credit applicant reviews;
• Analyze a mix of merchant applicants in a wide variety of business types in both a card-present and non-present processing environment;
• Handle a wide range of volumes and ticket amounts, standard documentation and future service liability
• Review and analyze individual and company credit reports including Equifax, Experian and Dunn and Bradstreet;
• Communicate effectively with merchants and sales representatives;
• Communicate effectively with internal company departments, as well as management, as necessary.
Job Requirements:
• 3 years' experience in a commercial underwriting environment
• Typing 50+ WPM or equivalent keystrokes
• Strong organizational skills
• Strong analytical skills
• Strong oral and written communication skills
• Strong organizational skills, ability to multitask, and attention to detail.
• Ability to interpret data based on established criteria.
• Experience reviewing and analyzing individual and company credit reports including Equifax, Experian and Dunn and Bradstreet required
• Must be a team-oriented individual with willingness to work all levels of applicants (not exclusively high level applicants) with a positive attitude
• Flexibility required to work extended shifts as needed
• High School Diploma or equivalent required
• Bachelor's Degree in Business or Finance preferred (or equivalent work experience)
Kurv Offers: Many outstanding benefits including: competitive salary, PTO, 401K plan with company match, paid holidays, company contribution toward health/dental insurance, employee discounts, career growth opportunities, and recognition and rewards for excellence.