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Merchant Credit Analyst Jobs (NOW HIRING)

First Merchants Corporation

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 ...

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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 ...

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 ...

mgx

Credit Analyst Lead

Eau Claire, WI

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 ...

Parker

Credit Analyst Manager

New York, NY · On-site

$180K - $205K/yr

... merchants to grow faster while staying in control of their margins. We've raised over $180M in ... As a Credit Analyst Manager at Parker, you'll lead and evolve Parker's underwriting operations. You ...

Ace Hardware Corporation

Credit Analyst

Oak Brook, IL · On-site

$64K - $81K/yr

About This Role The Credit Analyst functions include Advanced Financial Statement Analysis for; the ... Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman ...

Ace Hardware Corporation

Credit Analyst

Oak Brook, IL · On-site

$64K - $81K/yr

About This Role The Credit Analyst functions include Advanced Financial Statement Analysis for; the ... Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman ...

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Merchant Credit Analyst information

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$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.

Credit Analyst I

On-site

First Merchants Corporation
Finance and Insurance • 1 - 5K employees
Learn more about First Merchants Corporationexternal

Other

Medical, Dental, Vision, Retirement, PTO

Posted 3 days ago

New

First Merchants Bank rating

7.8

Company rating: 7.8 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

90th of 176 rated banks

Job description

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 required for this position. We are excited to consider current students who will graduate in December 2026, as well as candidates who have already earned their degree.

As part of this role you will:

  • Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, credit decision summary preparation and credit processes.
  • Complete credit monitoring functions for designated portfolio including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring and annual credit reviews.
  • Assign call codes, NAICS codes, risk grade and risk rating score data accurately.
  • Review appraisals and real estate evaluations.
  • Use of financial spreading software, loan system, cash flow analysis and other credit systems and tools
  • Attend and participate in loan committees as requested.

To be successful in this position, we require the following:

The following would be a plus:

  • Bachelor’s degree (or completion within current semester) in accounting, finance, or business.

First Merchants offers the following:

  • Medical, Dental and Vision Insurance
  • 401k
  • Health Savings and Flexible Spending Accounts
  • Vacation/Sick Time
  • Paid Holidays
  • Tuition Reimbursement
  • Additional Benefits

A little about us:

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is:

To enhance the financial wellness of the diverse communities we serve.

Our Mission is:

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team:

\"We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging.\"

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.

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