11 days old

Credit/Risk Analyst

First Data Corporation
Coral Springs, FL
  • Job Code

First Data is a global leader in commerce-enabling technology solutions, serving more than six million business locations and 4,000 financial institutions in 118 countries around the world. Our 23,000 owner-associates are dedicated to helping companies, from start-ups to the worlds largest corporations, conduct commerce every day by securing and processing more than 2,300 transactions per second and $1.9 trillion per year. First Data is committed to staying at the forefront of our industry, and we are innovating a wide range of next-generation commerce technology solutions to help our clients better detect fraud, gain insights into consumer spending patterns and build customer loyalty. There are many exciting opportunities for talented individuals who would like to join our team and play a meaningful role in helping us shape the future of global commerce.

First Datas Shared Services organization, which includes the Human Resources, Finance, Legal, Marketing, Communications, Finance, Strategy, Compliance, Legal, Security, Sourcing, and Properties functions, supports our mission to drive our clients success with industry-leading solutions, consultative advice and service. The Shared Services teams align with our customer-facing teams in a model that drives consistency, yet also provides the flexibility needed to meet unit-specific goals. Our Shared Services employees bring the domain expertise that helps First Data retain and grow our base of owner-associates, drive profitable growth, navigate complex channel partnerships, and build First Datas brand equity.

Job Responsibilities

  • Performs credit analysis and underwriting activities, evaluating financial position and credit worthiness, for prospective and existing commercial/merchant/portfolio accounts, Maintains and reviews current information on existing accounts.
  • Reviews credit history to assess credit worthiness of new prospective clients.
  • Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations.
  • Investigates the processing activity on accounts that have exceeded the parameters set in our risk management system and make a real time decision if the account is conducting business in a fraudulent manner or in a way that increases the credit exposure to First Data and its partners.
  • Investigations include the gathering of data from various sources & systems and interpreting the data.
  • A successful analyst must have the ability to work in a fast pace environment and be able to make real time / accurate decisions.
  • Must be able to communicate effectively and professionally with Law Enforcement, Visa, MasterCard, Attorneys, Merchant Business Owners, and credit card customers who make purchases at our clients' businesses.

Scope of Job

  • Exercises credit authority of up to $50K. Limited direct impact to financial strategy and activities.
  • Performs moderately to high complex tasks.
  • Position requires some evaluation or ingenuity.


Performs duties under general supervision, applying knowledge of credit risk guidelines, within fundamental concepts, practices and procedures. High level of autonomy and independent judgment in making decisions and interacting effectively and positively with all levels of personnel, partners, and vendors as well as customers.

Job Requirements

  • Bachelors degree in Finance, Accounting or related field
  • 2-4+ years of credit analysis experience or equivalent.
  • Candidates must demonstrate an understanding of basic risk management practices.
  • Proficiency with Microsoft Office products required
  • Must be highly organized and have the ability to prioritize workload and manage multiple responsibilities effectively without losing attention to detail.
  • Time management skills are a must as well as good communication skills (written and verbal) and negotiation ability.
  • Ability to understand and apply risk management concepts; collect and analyze exposure and loss data, respond efficiently and effectively to internal and external requests.
  • Maintain current knowledge of industry and professional topics by attending relevant training sessions.
  • May mitigate over $2.5 million in risk in a one year period.


  • Risk Management

First Data is an Affirmative Action Equal Opportunity Employer(Minorities/Females/Vets/Disabled/LGBT)

Sponsored by:
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Sponsored by:
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Credit/Risk Analyst

First Data Corporation
Coral Springs, FL

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First Data Corporation
Coral Springs, FL

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