Credit Analyst II

4 weeks ago

Atlanta, Georgia, United States FIS Global Full time

Position Type :

Full time

Type Of Hire :

Experienced (relevant combo of work and education)

Education Desired :

Bachelor's Degree

Travel Percentage :

5 - 10%

Job Description

Are you ready to unleash your full potential? We're looking for people who are passionate about payments to chart Worldpay's path to being the largest and most-loved payments company in the world.

About The Team

The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.

What You Will Be Doing

The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant's credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.

· Obtains and reviews the financial statements of merchants

· Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure

· Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.

· Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority

· Communicates effectively and professionally with internal and external clients

· Exercises sound judgment in assessing potential regulatory and reputational risks

· Monitors and communicates credit concerns to management

· Role is hybrid and requires 2-3 days in office

Minimum Skill Requirements:

· Skills and expertise needed to perform the job requirements listed above, at minimum:

· 2-4 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos

· Effective communication skills; attention to detail

· Strong judgment and decision making skills

· Self-starter, able to work independently; possesses a strong sense of ownership

· Ability to creatively solve problems and achieve company objectives

· Time management skills with ability to multitask

Preferred Additional Requirements:

· Knowledge of merchant acquiring services and the payment processing industry

· Degree in Finance, Accounting, or similar formal credit training

What We Offer You

· A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.

· The opportunity to focus on a broad range of industries and financial topics.

· A work environment built on collaboration, flexibility and respect

· A competitive salary and benefits designed to help support your lifestyle and well being

Privacy Statement

FIS is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how FIS protects personal information online, please see the Online Privacy Notice.

EEOC Statement

FIS is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here


For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

Sourcing Model

Recruitment at FIS works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. FIS does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.

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