Credit Risk Analyst

Responsibilities

• Review financial, business, and credit information for prospective and existing accounts to assess creditworthiness and underwriting risk.
• Maintain current account information and monitor account activity to support accurate and timely credit decisions.
• Evaluate consumer and business credit reports, financial trends, and processing patterns to identify potential risk exposure.
• Investigate account activity that exceeds risk management system parameters and make real-time decisions on potentially fraudulent activity or increased credit exposure.
• Balance risk and revenue considerations in alignment with established credit policies and loss target expectations.
• Mitigate credit exposure through risk assessments, transaction review, and independent decision-making across commercial and merchant portfolios.
• Communicate findings and recommendations effectively with internal teams, partners, vendors, and customers.
• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.
• Experience you'll need to have:
• 0-2+ years of experience in credit analysis, underwriting, risk assessment, fraud review, or financial analysis within commercial, merchant, banking, payments, or related environments.
• 0-2+ years of experience reviewing consumer and business credit reports, financial statements, account activity, or transaction trends to support risk-based decisions.
• Ability to investigate account activity, assess exposure, and make timely decisions using independent judgment within established policies and controls.
• Experience using risk management systems, underwriting tools, Microsoft Excel, and computer-based business applications to analyze and document findings.
• High school diploma, General Educational Development (GED), or equivalent combination of education, related experience and/or military experience.
• Experience that would be great to have:
• Associate degree or Bachelor's degree in finance, accounting, business, or a related field or equivalent combination of education, related experience and/or military experience.
• Experience supporting merchant acquiring, payment processing, or portfolio risk management functions.
• Experience identifying fraud indicators, processing anomalies, or emerging credit trends in real time.
• How you'll work:
• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
• This role requires use of a computer and audio equipment.
• Sponsorship:
• Benefits at Fiserv:
• Fuel Your Life program to support your physical, financial, social, and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health support through Employee Assistance Programs.
• Living Proof program to recognize your peers' extra effort with points redeemable for rewards.
• Eight Employee Resource Groups to foster a collaborative culture and expand your network.
• Unparalleled professional growth with training, development, and internal mobility opportunities.
• Medical, dental, vision, life, and disability insurance options available from day one.
• Retirement planning including 401k match and discounted shares with the Employee Stock Purchase Plan.
• Tuition assistance and reimbursement program.
• Paid parental and military leave.
• This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Massachusetts, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island, Vermont or Washington.
• It is unlawful

Benefits

Additional Information

Calling all innovators - find your future at Fiserv. We're 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, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv. Job Title Credit Risk Analyst About your role: As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for prospective and existing commercial, merchant, and portfolio accounts. You will work with internal risk, partner, vendor, and customer-facing teams to evaluate financial position, assess creditworthiness, and support sound credit decisions. This role helps protect Fiserv by balancing risk exposure with revenue objectives and applying consistent judgment aligned to credit policy and loss targets.

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