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Merchant Underwriter Jobs in Decatur, GA (NOW HIRING)

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Senior Merchant Underwriter

Atlanta, GA · Hybrid

$94K - $112K/yr

About the Role: We're looking for a Senior Merchant Underwriter that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed ...

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Senior Credit Analyst

Atlanta, GA · Hybrid

Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as ...

YouLend

Head of Underwriting

Atlanta, GA · On-site

... merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT ... The underwriting team is a core part of the YouLend Production Line and is responsible for ...

Visa

Director, VCA NA Risk Practice

Atlanta, GA

... merchants, financial institutions and government entities across more than 200 countries and ... Conduct credit maturity assessments across onboarding, underwriting, line management, and ...

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All JobsMerchant Underwriter JobsMerchant Underwriter Jobs in Decatur, GA

Merchant Underwriter information

See Decatur, GA salary details

$31.7K

$77K

$136.2K

How much do merchant underwriter jobs pay per year?

As of Jun 9, 2026, the average yearly pay for merchant underwriter in Decatur, GA is $77,012.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,600.00 and $84,900.00 per year, depending on experience, location, and employer.

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.

What are the key skills and qualifications needed to thrive in the Merchant Underwriter position, and why are they important?

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 is a Merchant Underwriter job?

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 popular job titles related to Merchant Underwriter jobs in Decatur, GA? For Merchant Underwriter jobs in Decatur, GA, the most frequently searched job titles are:
What job categories do people searching Merchant Underwriter jobs in Decatur, GA look for? The top searched job categories for Merchant Underwriter jobs in Decatur, GA are:
Merchant Underwriter jobs near you
Senior Merchant Underwriter

Senior Merchant Underwriter

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Atlanta, GA • Hybrid

$94K - $112K/yr

Other

Medical, Dental, Vision, Retirement, PTO

Posted 18 days ago

Job description

About the Role:

We're looking for a Senior Merchant Underwriter that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented individuals with a high level of integrity. In this position, you would spend your day reviewing merchant documentation, analyzing financials including balance sheets and income statements, reviewing trends and decisioning applications. This is a dynamic role partnering with our merchants to provide a best-in-class experience.

What You'll Do:

  • Verify merchant application information, coordinate the collection of missing data and documentation, analyze and underwrites new merchant applications, and re-evaluate existing merchant accounts as requested by the other internal stakeholders
  • Ensure strict adherence  to company policies and procedures, Federal and State regulations, and laws.
  • Comply with regulatory requirements, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Know Your Customer (KYC)  and OFAC guidelines, to support the identification, detection, and prevention of fraud, money laundering and other unlawful activities.
  • Read and interpret commercial credit reports to assess merchant risk profiles 
  • Analyze business financial statements including balance, income statement and cash flow.
  • Contribute to regular staff meetings to discuss merchant accounts, trends, losses, etc.
  • Recommend and help implement process improvements to enhance efficiency, consistency, and decision quality-including leveraging AI-driven strategies in the application review process.
  • Bring a flexible mindset - you will be required to adapt to changing policy and procedures on a constant basis while maintaining high-quality work.

What We Look For:

  • 4+ years of business or merchant underwriting experience 
  • 2+ years experience in a payments, financial services or related industry
  • Ability to proficiently analyze financial information and identify concerning trends 
  • Team player mentality with a high level of integrity
  • Ability to thrive in a changing and fast-paced environment 
  • Detail-oriented with excellent verbal and written communication skills
  • Proficiency with Google Sheets, Tableau

What We Offer You: 

  • Competitive salary
  • 100% paid coverage of medical, dental and vision insurance 
  • Flexible PTO
  • Competitive 401(k) 
  • Opportunities for professional growth and development 
  • Paid parental leave
  • Health & wellness initiatives

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