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Merchant Credit Analyst Jobs (NOW HIRING)

First Merchant's Bank

Credit Analyst I

Monroe, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchant's Bank

Credit Analyst I

Indianapolis, IN · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchant's Bank

Credit Analyst I

Royal Oak, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. A bachelor's degree is ...

Merchants Bank

Credit Analyst Lead

Apple Valley, MN · On-site

$89K - $112K/yr

Merchants Bank is seeking a Credit Analyst Lead. This on-site position can work at any of our branch locations in MN or WI. Primary duties include training other staff members around analyzing ...

FIRST MERCHANTS

Credit Analyst I

Columbus, OH · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchants Bank

Credit Analyst I

Monroe, MI

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchants Bank

Credit Analyst I

Indianapolis, IN · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

FIRST MERCHANTS

Credit Analyst I

Indianapolis, IN · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

FIRST MERCHANTS

Credit Analyst I

Monroe, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

FIRST MERCHANTS

Credit Analyst I

Royal Oak, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. A bachelor's degree is ...

First Merchants Bank

Credit Analyst I

Indianapolis, IN · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchants Bank

Credit Analyst I

Monroe, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchants Bank

Credit Analyst I

Monroe, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First-Merchants-Bank

Credit Analyst I

Columbus, OH · On-site

$60 - $80/hr

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First Merchants Bank

Credit Analyst I

Royal Oak, MI · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. A bachelor's degree is ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

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Showing results 1-20

All JobsMerchant Credit Analyst Jobs

Merchant Credit Analyst information

See salary details

$15

$29

$49

How much do merchant credit analyst jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for merchant credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

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

AspectMerchant Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit analysis coursesBachelor's degree, certifications like CFA or credit analysis courses
Work EnvironmentFinancial institutions, banks, or merchant service companiesBanks, investment firms, or financial institutions
Employer & Industry UsageFocuses on assessing merchant creditworthiness for payment processingEvaluates credit risk for various clients and loan applicants

Both roles involve analyzing credit data and require similar credentials, but Merchant Credit Analysts specifically assess merchant accounts for payment processing, while Credit Analysts evaluate broader credit risk for loans and investments.

Do merchant credit analysts make a lot of money?

Merchant credit analysts typically earn a median annual salary ranging from $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and working in larger financial institutions can lead to higher compensation.

What is the role of a merchant credit analyst?

A merchant credit analyst evaluates the creditworthiness of businesses that accept credit card payments, analyzing financial statements, credit reports, and transaction data to assess risk. They help determine credit limits and terms, often using financial analysis tools and industry knowledge to support lending decisions or risk management strategies.

What qualifications do you need to be a merchant credit analyst?

A merchant credit analyst typically needs a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, experience with financial statement analysis, and proficiency in spreadsheet and credit scoring tools are also important. Certifications such as the Certified Credit Analyst (CCA) can enhance job prospects.

What cities are hiring for Merchant Credit Analyst jobs?

Cities with the most Merchant Credit Analyst job openings:

What states have the most Merchant Credit Analyst jobs?

States with the most job openings for Merchant Credit Analyst jobs include:

What are popular job titles related to Merchant Credit Analyst jobs?

For Merchant Credit Analyst jobs, the most frequently searched job titles are:

Infographic showing various Merchant Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Enterprise Merchant Credit Analyst

Remote

North American Bancard
See more jobs at North American Bancardexternal

$75K - $97K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 14 days ago

Job description

Enterprise Merchant Credit Analyst
North - Remote
This role requires strong financial analysis experience with merchants in the Payments or Commercial Banking industry.
North and our family of companies are committed to making it as easy as possible for businesses to grow through innovations in credit card processing, ecommerce, mobile payments and more. Our mission is to be the easiest payments company to do business with, bar none.
The Enterprise Merchant Credit Analyst role underwrites and reviews merchant applications for credit card payment processing, providing additional layers of review and dissection to find approval solutions and drive increased submission volumes. This role requires strong financial analysis experience.
What you'll do:
  • Underwrite and review new merchant submissions, auto approved submissions, and graduated underwriting submissions for merchant credit card payment processing service, submitted by sales partners and merchants to NAB.
  • Make verbal and written recommendations to management consistent with NAB's risk appetite.
  • Provide all sales partners with a communication channel via phone support as well as an additional layer of review and discretion to find a solution for accounts that have been pended, declined, or withdrawn.
  • Conduct financial analysis to provide detailed recommendations, discussion papers, and creative risk mitigation strategies, and provide solution focused reviews for high risk, restricted, and prohibited merchant submissions.
  • Help train and develop team members, and provide guidance to lower-level team members on a day to day basis.
  • Regularly handle high risk/high volume accounts, and analyze a wide variety of applicants and business types in multiple credit card processing environments, including both card present and non-card present applicants.

What we need from you:
  • Bachelor's Degree in Business, Finance, Accounting (or equivalent work experience).
  • Minimum five (5) years of commercial underwriting experience or commercial risk mitigation experience in the bank card/merchant payment processing industry.
  • 2 Years of financial analysis experience with writing assessments.
  • Must be comfortable and confident in handling a position of authority when making underwriting decisions, as well as executing accurate judgment in regards to interactions with Sales Partners and merchants over the phone and through email.
  • Ability to adapt priorities for peak periods to ensure consistency of service levels for sales partners and merchants.
  • Ability to work a flexible work schedule in support of departmental needs.

How to stand out (Preferred):
  • CPA Credentials
  • CPP Credential
  • 2 Years of Sales Relationship Management Experience

Salary Range: $75,000-$97,000
Pay within this range varies by work location and on job-related knowledge, skills, and experience. We look forward to discussing your salary expectations and our full total rewards offerings throughout the interview process.
What we offer:
We offer a comprehensive benefits package that enables our teams to live a life well lived, both personally and professionally. Some of our perks include:
  • Medical, Dental, & Vision Coverage
  • Flexible Paid Time Off
  • 401(k) + Match
  • Mental Health Support & Well-Being Program
  • Paid Maternity & Paternity Leave
  • Education Assistance
  • Company-funded Lifestyle Spending Account

Please note: North is a US based company and this role is not eligible for current or future sponsorship.
Let's go North, together.
Join our mission to build the largest suite of credit card processing and merchant services. It's one simple payment platform backed by the most diverse payment companies. From credit card processing to back-office management, North points the way to smarter, faster, and just plain better payment solutions.
Who we are:
North, and our family of companies, are committed to helping entrepreneurs grow their businesses. As an end-to-end payment solutions company, we provide everything business owners need to get paid, whether they serve customers in a physical storefront, online, or both. We pride ourselves on being large enough to offer customized solutions to our enterprise-level clients while remaining agile enough to take an award-winning, hands-on approach to personal service that our merchants won't find anywhere else.
Let's go North, together! Our most important resource is our people. Join our diverse team of innovators and do-ers and make your mark on the future of payments technology. We're proud to offer benefits that help our team members further their overall well-being through unique initiatives that are both personally and professionally fulfilling.
At North, we celebrate diversity and create an inclusive environment for everyone. We are an equal opportunity employer.
To learn more about North, and our family of companies, visit our website: north.com

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