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Job Title

Credit Risk Analyst

Job Summary

The Credit Risk Analyst conducts merchant credit reviews, underwriting assessments, and daily risk tasks while ensuring all activities meet established service‑level agreements. Responsibilities include 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 analyst reviews financial statements to assess liquidity, profitability, leverage, and overall financial condition, and will approve, decline, or recommend structured terms in line with Credit Policies & Procedures. In addition, the analyst monitors merchant processing activity to identify anomalies or emerging risks and supports the Risk team in decisions related to releasing funds, maintaining merchant accounts, and escalating suspicious activity.

Key Responsibilities

Risk Monitoring & Investigations (40%)

• Monitor daily risk and processing reports to proactively identify merchants requiring attention and minimize potential escalations.
• Review merchant account behaviour to ensure processing activity aligns with approved business models, expected volumes, and underwriting assumptions.
• Contact merchants to obtain explanations and supporting documents to expedite investigations and resolve issues efficiently.
• Support fund‑release decisions by assessing merchant activity, financial health, and exposure levels to determine whether reserves or funding holds are warranted.
• Prepare concise investigation summaries and recommendations for manager review and concurrence.

Credit Reviews & Underwriting (30%)

• Complete detailed merchant credit analyses using bureau data, financial statements, industry research, and background verification.
• Validate merchant legitimacy through website reviews, online searches, bank references, fraud detection tools and direct phone verification.
• Conduct comprehensive financial analysis by evaluating liquidity, profitability, leverage, cash‑flow strength, and multi‑period trends to determine overall financial stability, repayment capacity, and credit risk.
• Recommend risk mitigation strategies such as funding holds or cash reserves.
• Communicate credit decisions or conditions to sales teams, merchants, and business partners.
• Reassess declined applications when additional information becomes available.
• Adjudicate applications within delegated authority and escalate complex or higher-value cases.
• Provide investigative support for higher-risk or complex merchant reviews.

Account Maintenance & Portfolio Support (20%)

• Review and complete account maintenance tickets and post-underwriting functions, including credit updates, merchant information changes, funding adjustments, and security release requests.
• Assess risk implications for ownership changes, banking updates, volume shifts, or business model changes.
• Validate documentation and ensure compliance with Credit Policies & Procedures.
• Guide internal teams on documentation needs and credit-related maintenance items.
• Support ongoing merchant monitoring through review of alerts, escalations, and risk behavior changes.

Reporting & Support Activities (10%)

• Assist with daily, weekly, monthly, and ad-hoc credit and risk reporting.
• Participate in process improvements that enhance efficiency, data quality, and fraud prevention.
• Support special projects, audits, and additional duties as required.

Required Skills & Qualifications

• Strong credit analysis and decision-making skills.
• Highly proficient with written and verbal communication
• Experienced in reviewing financial statements to assess liquidity, profitability, and leverage, interpret key ratios, and analyze year‑over‑year financial trends.
• Strong organization and prioritization skills with the ability to maintain accuracy, meet SLAs, and adapt to shifting priorities and tight deadlines in a fast‑paced environment.
• Ability to collaborate effectively with internal and external partners.
• Skilled in Outlook, Excel, Outlook, Word, and online research, and able to rapidly learn and adapt to internal platforms and tools.
• Minimum of a High School Diploma or equivalent (GED)
• Minimum 2 years’ experience in credit underwriting or equivalent
• Experience in risk management or fraud investigation.

Preferred Qualifications

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

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Salary Range:

$54,400.00-$68,000.00

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 agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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