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Credit Risk Analyst Jobs in Boca Raton, FL (NOW HIRING)

Fiserv, Inc.

Credit Risk Analyst

Coral Springs, FL · On-site

As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for prospective and existing commercial, merchant, and portfolio accounts. You will work with internal risk ...

Monitise

Credit Risk Analyst

Coral Springs, FL · On-site

As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for prospective and existing commercial, merchant, and portfolio accounts. You will work with internal risk ...

Monitise

Credit Risk Manager

Coral Springs, FL

$69K - $110K/yr

The Fiserv Credit Risk Organization is responsible for managing the risk throughout the lifecycle ... Must be an organized, intuitive and an analytical thinker, with the ability to perform detailed ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Boca Raton, FL

Credit Risk Analyst information

See Boca Raton, FL salary details

$35.1K

$108.1K

$187.4K

How much do credit risk analyst jobs pay per year?

As of Jun 19, 2026, the average yearly pay for credit risk analyst in Boca Raton, FL is $108,069.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,300.00 and $133,300.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What does a Credit Risk Analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

What are the key skills and qualifications needed to thrive as a Credit Risk Analyst, and why are they important?

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst at Goldman Sachs is typically between $70,000 and $120,000 annually, depending on experience, location, and level of seniority. Compensation may also include bonuses and benefits, with higher salaries often associated with advanced certifications and specialized skills in risk assessment and financial analysis.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating financial data and assessing creditworthiness, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can automate data analysis and streamline processes, human analysts are still essential for complex decision-making and risk assessment. The role is evolving to include working alongside AI technologies to improve efficiency and accuracy.

How much do risk analysts get paid?

Risk analysts, including credit risk analysts, typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications like CFA or FRM can earn higher salaries and bonuses.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and economic trends, often using specialized software, to assess risk levels and recommend credit limits or approval decisions. Their work helps financial institutions manage potential losses and ensure sound lending practices.
More about Credit Risk Analyst jobs
What job categories do people searching Credit Risk Analyst jobs in Boca Raton, FL look for? The top searched job categories for Credit Risk Analyst jobs in Boca Raton, FL are:
What cities near Boca Raton, FL are hiring for Credit Risk Analyst jobs? Cities near Boca Raton, FL with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Boca Raton, FL as of June 2026, with employment types broken down into 87% Full Time, 11% Part Time, and 2% Contract. Highlights an 82% Physical, 7% Hybrid, and 11% Remote job distribution, with an average salary of $108,069 per year, or $52 per hour.
Credit Risk Analyst

Credit Risk Analyst

Fiserv, Inc.

Coral Springs, FL • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 8 days ago

Fiserv rating

7.6

Company rating: 7.6 out of 10

Based on 85 frontline employees who took The Breakroom Quiz

106th of 138 rated financial services

Job description

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
Credit Risk Analyst
About your role:
As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for prospective and existing commercial, merchant, and portfolio accounts. You will work with internal risk, partner, vendor, and customer-facing teams to evaluate financial position, assess creditworthiness, and support sound credit decisions. This role helps protect Fiserv by balancing risk exposure with revenue objectives and applying consistent judgment aligned to credit policy and loss targets.
What you'll do:
  • Review financial, business, and credit information for prospective and existing accounts to assess creditworthiness and underwriting risk.
  • Maintain current account information and monitor account activity to support accurate and timely credit decisions.
  • Evaluate consumer and business credit reports, financial trends, and processing patterns to identify potential risk exposure.
  • Investigate account activity that exceeds risk management system parameters and make real-time decisions on potentially fraudulent activity or increased credit exposure.
  • Balance risk and revenue considerations in alignment with established credit policies and loss target expectations.
  • Mitigate credit exposure through risk assessments, transaction review, and independent decision-making across commercial and merchant portfolios.
  • Communicate findings and recommendations effectively with internal teams, partners, vendors, and customers.
  • Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:
  • 0-2+ years of experience in credit analysis, underwriting, risk assessment, fraud review, or financial analysis within commercial, merchant, banking, payments, or related environments.
  • 0-2+ years of experience reviewing consumer and business credit reports, financial statements, account activity, or transaction trends to support risk-based decisions.
  • Ability to investigate account activity, assess exposure, and make timely decisions using independent judgment within established policies and controls.
  • Experience using risk management systems, underwriting tools, Microsoft Excel, and computer-based business applications to analyze and document findings.
  • High school diploma, General Educational Development (GED), or equivalent combination of education, related experience and/or military experience.

Experience that would be great to have:
  • Associate degree or Bachelor's degree in finance, accounting, business, or a related field or equivalent combination of education, related experience and/or military experience.
  • Experience supporting merchant acquiring, payment processing, or portfolio risk management functions.
  • Experience identifying fraud indicators, processing anomalies, or emerging credit trends in real time.

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, Vermont 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 AskHR.US@fiserv.com. 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.
Warning about fake job posts:
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.

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