Credit Risk Underwriter

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Job Title

Credit Risk Underwriter

About your role:

As a Credit Risk Underwriter, you will review merchant processing applications and assess risk to support timely, accurate underwriting decisions. You will work closely with sales partners, merchants, processors, and internal underwriting teams to verify application quality, evaluate credit exposure, and resolve issues. Your work helps protect the business, maintain service level agreement (SLA) performance, and support client growth with sound risk decisions.

What you'll do:

• Work on-site Monday through Friday and collaborate in person with underwriting, sales, and operational partners

• Review incoming merchant processing applications and assess information to support underwriting decisions

• Track and monitor applications throughout the underwriting process to ensure processing within service level agreements (SLAs)

• Verify the quality, completeness, and accuracy of application documentation and supporting materials

• Use third-party resources to validate business operations, ownership details, and business demographics

• Communicate with sales partners, merchants, and processors to resolve risk and underwriting questions or issues

• Analyze documentation, reports, and credit data to assess merchant credit risk exposure and make sound recommendations

• Support short- and long-term projects related to underwriting operations, process improvement, and risk review

• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

• 3+ years of experience in credit risk, underwriting, merchant processing, financial services, or a related risk evaluation environment

• 2+ years of experience reviewing individual and business credit reports and applying findings to risk-based decisions

• 2+ years of experience working in a client-facing role with sales partners, merchants, processors, or similar external stakeholders

• 2+ years of experience using Microsoft Office Suite to document reviews, manage workflows, and communicate findings

• Ability to assess application quality, interpret supporting documentation, and use third-party verification tools to evaluate business legitimacy and credit exposure

• Bachelor's Degree in finance, business, accounting, economics, or a related field, or equivalent combination of education, related experience and/or military experience

Experience that would be great to have:

• Experience in the merchant processing industry

• Knowledge of card brand rules and regulations

• Experience supporting underwriting workflows tied to service level agreement (SLA) performance

• Experience evaluating small business or merchant application documentation

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:

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

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 or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

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 Equal Opportunity:

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.

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact View email address on click.appcast.io . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

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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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.