Credit Analyst

• 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.

• 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.

• 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.

• 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.
• 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).

Fiserv