Senior Credit Analyst

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Were Fiserv a global leader in Fintech and payments and we move money and information in a way that moves the world. We connect financial institutions corporations merchants and consumers to one another millions of times a day quickly reliably and securely. Any time you swipe your credit card pay through a mobile app or withdraw money from the bank were involved. If you want to make an impact on a global scale come make a difference at Fiserv.

Job Title

Senior Credit Analyst

Job Summary

The Senior Credit Analyst conducts both simple and complex merchant credit reviews advanced underwriting assessments and daily risk tasks while ensuring alignment with established service-level agreements and Credit Policies & Procedures. This includes analyzing commercial and personal credit reports verifying merchant information through website reviews online research bank references and direct calls to confirm legitimacy and identify fraud risks.

The Senior Credit Analyst reviews financial statements to assess liquidity profitability leverage and overall financial condition and independently underwrites larger national and enterprise-level merchant applications while approving declining or recommending structured terms in line with Credit Policies & Procedures.

Key Responsibilities

Credit Reviews & Underwriting (70%)

• Conduct detailed merchant credit analyses using bureau data financial statements industry research and background verification.
• Independently underwrite larger national and enterprise merchant applications including evaluation of financial performance cash flow leverage and multi-period trends.
• Validate merchant legitimacy through online research bank references fraud detection tools and direct verification.
• Approve decline or recommend structured credit terms for higher-value or higher-risk applications within delegated authority and Credit Policies & Procedures.
• Communicate credit decisions and risk considerations to sales teams merchants and business partners and reassess applications as new information becomes available.

Account Maintenance & Portfolio Support (20%)

• Perform account maintenance and post-underwriting activities including credit updates merchant information changes funding adjustments and security release requests.
• Assess risk implications related to ownership changes banking updates volume shifts and business model changes.
• Ensure documentation accuracy and compliance with Credit Policies & Procedures while guiding internal teams on requirements.
• Support ongoing merchant monitoring and portfolio risk management.

Reporting & Support Activities (10%)

• Actively contribute to daily weekly monthly and ad-hoc credit and risk reporting including analysis of trends and key metrics.
• Drive and support process improvement initiatives that enhance efficiency data quality and fraud prevention.
• Play a key role in special projects audits and additional initiatives providing analysis and insights as required.

Required Skills & Qualifications

• Strong credit analysis underwriting and independent decision-making skills.
• Advanced financial statement analysis experience including assessment of liquidity profitability leverage key ratios and year-over-year trends.
• Strong communication organization and prioritization skills with the ability to meet SLAs in a fast-paced environment.
• Proven ability to collaborate effectively with internal and external partners.
• Minimum 3 years of experience in commercial credit underwriting and analysis; proficient in Excel Word and research tools with the ability to learn internal systems quickly.

Preferred Qualifications

• Experience in risk management or fraud investigation.
• Post-secondary education in business finance commerce or related field.
• Familiarity with Canadian industries and economic environments along with experience in payment processing or merchant-services operations.
• French language skills (written and spoken).

Salary Range:

$56000.00-$70000.00

Thank you for considering employment with Fiserv. Please:

• Apply using your legal name

• Complete the step-by-step profile and attach your resume (either is acceptable both are preferable).

Our commitment to Diversity and Inclusion:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race color religion national origin gender gender identity sexual orientation age disability protected veteran status or any other category protected by law.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

Required Experience:

Senior IC

Employment Type : Full-Time
Experience: years
Vacancy: 1
Monthly Salary Salary: 56000 - 70000