Assistant Credit Analyst Jobs in Utah (NOW HIRING)

## Analyst II Bank Originations Partnerships and Third PartiesApplylocations: South Jordantime type: Full timeposted on: Posted Yesterdayjob requisition id: JR101034**Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.** **Who we are**Founded in 1997, Merrick Bank is an FDIC-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide. **What we do**We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.Merrick Bank ranks among the top 20 FDIC-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.**Position Summary:**Our Compliance organization is forward-thinking, embracing efficiency and modernization rather than relying solely on traditional regulatory approaches. Our culture is rooted in teamwork, transparency, and open collaboration—where your voice is valued. In this role you will support our overall Compliance Management System activities of Merrick Bank (the “Bank”) by designing, operating, monitoring, and continuously improving the framework that ensures the bank complies with applicable laws, regulations, and internal standards. The Analyst II operates with limited supervision, independently executes compliance testing and risk assessments, leads components of the CMS, and serves as a primary compliance contact for assigned products, processes, or initiatives. This role exercises independent judgment, escalates issues proactively, and contributes to program design and improvement, not just execution.**Essential Functions:*** Assist in the overall implementation of the Bank’s Compliance Management System (CMS) and in the development of an overall compliance oversight program.* Develop and maintain comprehensive testing plans for compliance-related risks throughout the Bank including designing key risk indicators and metrics associated with all risks with compliance impact, including other processes not owned by you.* Independently conduct bank origination partnership and third-party product testing and monitoring for compliance with various laws and regulations utilizing existing Bank programs and prepare report of findings and present results to leadership.* Evaluate ongoing oversight effectiveness. Revise and/or customize oversight processes based on the identification of process weaknesses, gaps, regulatory changes, changes to internal processes, or audit/examination findings.* Lead and support multiple projects simultaneously, track project progress, and report milestone and potential issues with recommended resolutions Track and complete all project framework tasks as assigned* Independently perform change management risk assessments for internal projects and processes to determine compliance impact.* Serve as an advisor to the Business Units by helping interpret regulatory requirements and advising on control/process expectations and issue resolution.* Assist with compliance due diligence and risk assessments for new and existing partnerships, and maintain required oversight records, logs, and reporting.* Assist in reviewing bank origination partners and third-party marketing materials, customer communications, disclosures, and operational processes for compliance with applicable laws and internal policies.* Maintain compliance-related policies, procedures, and CMS documentation supporting third-party and bank origination partnership oversight.* Collaborate with Legal, Risk, Vendor Management, and business partners to ensure consistent execution of compliance expectations across partnership arrangements.* Monitor emerging regulatory developments related to fintech partnerships, bank origination partnership models, and third-party risk, and assess impacts on oversight activities.* Stay current on federal and state regulatory changes and assess potential impacts to bank origination partnerships and third-party oversight.* Assist in preparing materials and resources for regulatory examinations, department, and committee meetings.* Coach Analyst I’s with testing criteria and risk indicator monitoring enhancements* Performs other duties as assigned.**Compliance with Laws & Regulations:*** Responsible for complying with all of the Bank’s internal control policies and procedures.* Responsible for understanding and complying with all laws and regulations to which the Bank is subject.* Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.**Education and Experience:*** High School Diploma or GED equivalent required* A minimum of three to five (3-5) years of experience in consumer credit card or financial services banking experience is required.* A minimum of two (2) years of compliance and regulatory banking experience is preferred* Experience in project or change management is desired* Experience with third-party oversight, fintech partnerships, or Banking-as-a-Service (BaaS) preferred.* Applicable certification strongly desired (CRCM, CAMS. Etc.).**Summary of Qualifications:*** Intermediate knowledge of banking laws and regulations.* Ability to obtain and maintain industry certifications (CRCM, CAMS, Etc.).* Strong analytical background with proven track record for structuring/solving problems, drawing conclusions and formulating recommendations.* Ability to plan, organize and prioritize multiple simultaneous assignments real-time, as well as manage to time constraints.* Effective written and verbal communication skills, presents ideas in a clear, concise, understandable, and organized manner.* Ability to work independently and without direct or continuous supervisory support.* Ability to lead meetings with stakeholders and work collaboratively across departments.* Demonstrate an ability to adapt to any changes in the regulatory environment.* Professional judgment, integrity, and accountability in handling confidential and sensitive matters.* Proficiency in Microsoft Office (Excel, Word, PowerPoint)#INDHP1 **Why join us**We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact. **Our Employee Value Proposition*** Competitive Pay, including a Bonus Target or Variable Pay Incentive Program* Benefits Package -Medical, Dental, and Vision (plus much more)* 401(k) Plan with Company Match* Short- & Long-Term Disability* Wellness Programs* Group Life and AD&D Insurance* Paid Vacation, Sick Days and bank Holidays* Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition *We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.* *We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.**We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.**If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.* #J-18808-Ljbffr