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Merchant Underwriting Jobs (NOW HIRING)

Kurvpay

Merchant Underwriter

Cleveland, OH · On-site

FinanceThe primary focus of the Merchant Underwriter is to review, analyze and make confident ... Job Requirements * 3 years' experience in a commercial underwriting environment * Typing 50+ WPM or ...

Kurv

Merchant Underwriter

Cleveland, OH · On-site

The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions ... Job Requirements: · 3 years' experience in a commercial underwriting environment · Typing 50+ WPM ...

Quantum Electronic Payments

Underwriter I

Anaheim, CA · On-site

$50K - $60K/yr

Assign appropriate merchant risk ratings and document the reasoning behind underwriting decisions * Clearly communicate pending requirements and follow up on outstanding information * Respond to ...

Quantum Electronic Payments

Underwriter I

Anaheim, CA · On-site

$50K - $60K/yr

Assign appropriate merchant risk ratings and document the reasoning behind underwriting decisions * Clearly communicate pending requirements and follow up on outstanding information * Respond to ...

Coinflow

Senior Merchant Underwriter

Chicago, IL · On-site

$100K - $140K/yr

New Business Underwriting: Evaluate merchant applications, ensuring that merchants are operating Legally, within Card Scheme Rules, and within Coinflow's operational risk appetite. This includes ...

EPSG, LLC

Senior Underwriting Analyst

Melville, NY · On-site

$55K - $68K/yr

Underwriting Analyst to join our growing team. This role will report to the Underwriting ... Efficiently manage, sort, and organize merchant applications and supporting documentation

EPSG, LLC

Senior Underwriting Analyst

Melville, NY · On-site

$55K - $68K/yr

Underwriting Analyst to join our growing team. This role will report to the Underwriting ... Efficiently manage, sort, and organize merchant applications and supporting documentation

EPSG, LLC

Senior Underwriting Analyst

Melville, NY · On-site

$55K - $68K/yr

Underwriting Analystto join our growing team. This role will report totheUnderwriting ... Efficiently manage, sort, and organize merchant applications and supporting documentation

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Merchant Underwriting information

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$48K

$103.1K

$158.5K

How much do merchant underwriting jobs pay per year?

As of Sep 11, 2026, the average yearly pay for merchant underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is merchant underwriting?

A Merchant Underwriting job involves assessing the risk and creditworthiness of businesses applying for merchant accounts to process payments. Underwriters review financial statements, business models, and transaction history to identify potential fraud or financial instability. They work closely with sales teams, risk management, and compliance departments to ensure merchants meet regulatory and company requirements. The goal is to approve legitimate businesses while minimizing financial risk for the payment processor or financial institution. This role requires analytical skills, attention to detail, and knowledge of payment industry regulations.

What are the key skills and qualifications needed to thrive in merchant underwriting?

To thrive as a Merchant Underwriter, you need strong analytical abilities, a keen understanding of financial statements, and experience evaluating business risk, typically supported by a degree in finance, business, or a related field. Proficiency with underwriting platforms, risk assessment tools, and knowledge of industry compliance standards or certifications such as Certified Risk Professional (CRP) is often preferred. Strong attention to detail, effective communication, and sound judgment enable successful collaboration with sales and risk teams. These skills ensure accurate merchant approvals, mitigate potential losses, and support the financial integrity of the organization.

What are some common challenges faced by merchant underwriters in their daily work?

Merchant Underwriters often encounter challenges such as assessing the risk of new or emerging business models, analyzing incomplete or inconsistent financial data, and staying updated with evolving industry regulations. Balancing the need for thorough risk evaluation with the demands for quick decision turnarounds can also be demanding. Collaboration with sales and compliance teams is essential to resolve cases where risk factors are unclear or customer expectations are urgent. To succeed, underwriters must be adaptable, detail-oriented, and proactive in continuing their professional development to keep up with changing policies and industry trends.

More about Merchant Underwriting jobs

What cities are hiring for Merchant Underwriting jobs?

Cities with the most Merchant Underwriting job openings:

What are the most commonly searched types of Merchant Underwriting jobs?

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Merchant Underwriting jobs near you
Infographic showing various Merchant Underwriting job openings in the United States as of September 2026, with employment types broken down into 95% Full Time, 3% Part Time, and 2% Contract. Highlights an 68% Physical, 7% Hybrid, and 25% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Merchant Underwriter

Cleveland, OH • On-site

Kurvpay
See more jobs at Kurvpayexternal

Other

Medical, Dental, Retirement, PTO

Posted 9 days ago

Job description

Job Details

Job Location: Corporate Office - Cleveland, OH 44113Position Type: Full TimeJob Category: 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 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.

Qualifications

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