Job summary
Job post source
This job is directly from PH Financial Services LLC
Job overview
The Junior Underwriter role at PH Financial Services LLC supports the underwriting and risk management team by reviewing and analyzing merchant applications and financial data to determine eligibility for payment processing services, impacting the company's risk management and client onboarding.
Responsibilities and impact
The Junior Underwriter reviews applications, financial data, credit reports, and other documents to assess eligibility, communicates with team members to gather missing information, ensures compliance, assists in preparing application packages, monitors processing merchants, and performs other assigned duties.
Compensation and benefits
The position offers benefits including Flexible Spending Account, dental, medical, vision, long-term disability, life insurance, 401-K with 3% company contributions, paid time off, paid sick leave, 10 paid holidays plus a birthday holiday, employee assistance program, cell phone allowance, and discretionary bonus opportunities.
Experience and skills
Candidates should have a bachelor's degree in finance, accounting, or related field or prior underwriting experience, strong communication, interpersonal, organizational, critical thinking, and analytical skills, proficiency in Microsoft Office, attention to detail, and ability to work well in a fast-paced, team-oriented environment.
Work environment and culture
The company values employees and fosters a team-oriented environment with a positive attitude and focus on quality and accuracy.
Company information
PH Financial Services LLC, through its division FLEX Payments Solutions, is a premier provider of electronic payment solutions including ACH and credit/debit card processing to businesses across the U.S.
Team overview
The Junior Underwriter will join the underwriting and risk management team, collaborating closely with the Underwriting Manager and other team members.
Job location and travel
This is a hybrid role requiring at least three days per week onsite at the Fenton, MO office, with a full-time, 40-hour work week.
Unique job features
The role offers a hybrid work model, involvement with high-volume merchants ($25M+ annual volume), and opportunities to contribute to risk management and underwriting processes in a fast-paced environment.
Company overview
PH Financial Services LLC is a company specializing in providing financial solutions, primarily focusing on payday loans and other short-term lending products. They generate revenue through interest and fees associated with these loan products, catering to individuals in need of quick financial assistance. Founded with the aim of offering accessible financial services, PH Financial Services has grown to serve a wide customer base, emphasizing customer service and regulatory compliance. Understanding their commitment to responsible lending and customer satisfaction is crucial for any potential candidate.
How to land this job
Position your resume to highlight your educational background in finance or accounting and any relevant experience in underwriting or financial analysis to align with PH FINANCIAL SERVICES LLC's Junior Underwriter role.
Emphasize your skills in reviewing applications, analyzing credit reports and financial statements, and your attention to detail and accuracy, as these are key responsibilities in the job description.
Apply through multiple channels including PH FINANCIAL SERVICES LLC’s corporate careers page, LinkedIn, and reputable job boards to maximize your application visibility.
Connect on LinkedIn with current employees in the FLEX Payments Solutions division or underwriting team at PH FINANCIAL SERVICES LLC; use ice breakers like commenting on recent company news, asking about their experience with the hybrid work model, or inquiring about the team culture.
Optimize your resume for ATS by incorporating keywords such as 'underwriting,' 'financial analysis,' 'credit reports,' 'risk management,' 'compliance,' and 'Microsoft Office proficiency' to ensure your resume passes initial screenings.
Leverage Jennie Johnson's Power Apply feature to automate tailored applications, identify multiple application channels, and find LinkedIn contacts for networking, allowing you to focus more on preparing for interviews and skill development.
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