Senior Credit Advisor

Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Senior Credit Advisor

About the Role: 

As a Senior Credit Advisor, you are responsible for analyzing and assessing credit worthiness of existing and new national accounts.   This individual will analyze merchant financials, assign credit ratings, and apply necessary credit enhancements.    The position operates in a fast-paced environment and partners closely with internal stakeholders and external clients to deliver timely, well-supported outcomes aligned to credit policy.

What you will do:

• Underwrite new and existing national merchant accounts by analyzing financial statements, cash flow, leverage, liquidity, and overall creditworthiness.
• Assess merchant requests (e.g., new approvals, exposure increases, contract changes) and document clear, defensible credit recommendations.
• Assign internal credit risk ratings and determine appropriate credit enhancements/mitigants (e.g., reserves, guarantees, covenants, deposits, limits).
• Maintain strong working knowledge of partner credit policies and procedures; ensure decisions and documentation align with established standards.
• Document policy exceptions and route approvals through proper governance channels.
• Review underwriting packages for completeness and accuracy; identify documentation gaps and drive resolution prior to approval/boarding.
• Engage in high-level discussions with internal partners (sales, relationship management, operations) and external clients to clarify financials, risk drivers, and conditions of approval.
• Deliver efficient, timely service while balancing risk discipline, partner needs, and customer experience.
• Support portfolio monitoring activities as assigned (e.g., periodic reviews, adverse news/financial triggers, exposure reporting).

Experiences you'll need to have:

• 3-4 years of credit underwriting or credit risk experience, ideally including commercial/merchant/national accounts.
• Bachelor’s in Finance, Accounting, Business, Economics, or related experience
• Strong financial analysis skills (spread analysis, cash flow assessment, ratio and trend analysis).
• Experience assigning risk ratings and documenting credit decisions in a credit memo/underwriting narrative format.
• Strong written and verbal communication skills with the ability to present risk recommendations to senior stakeholders

What would be great to have:

• Experience in payments/merchant acquiring, card acceptance, or related financial services risk.
• Familiarity with credit enhancements and risk mitigation structures used in merchant or commercial underwriting.
• Comfort working with multiple systems and managing competing priorities under tight timelines.

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 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 used for rewards
• Eight Employee Resource Groups to foster a collaborative culture
• Unparalleled professional growth with training, development, and internal mobility opportunities
• Retirement planning and discounted shares with the Employee Stock Purchase Plan
• Medical, dental, vision, life, and disability insurance options available day one
• Tuition assistance and reimbursement program
• Paid parental, caregiver, 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 statu