Senior Credit Analyst - Business Cards & Payments - Hybrid

Discover Financial
Richmond, Virginia
Workplace: HybridFull timeUSD 87,700 - 110,100 annuallyFunction: Banking, Lending & CreditExperience: 2+ yearsEducation: bachelorsSkills: ["Quantitative analysis","Communication","Stakeholder influence","Self-motivation","Team-oriented mindset"]

Own day-to-day credit evaluations for a portfolio of credit line decisions up to $2MM, independently delivering well-reasoned credit recommendations. Analyze business and personal financial conditions, including business performance, revenues, profitability, cash flow, and risk profiles, using unsecured credit products and merchant spend insights. Collaborate with senior approvers, field sales, internal partners, and clients; prepare clear credit memos and proactively monitor portfolio trends to ensure alignment with risk expectations.

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Discover Financial
Discover Financial
1 day ago

Senior Credit Analyst - Business Cards & Payments - Hybrid

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Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live

Job Summary

Own day-to-day credit evaluations for a portfolio of credit line decisions up to $2MM, independently delivering well-reasoned credit recommendations. Analyze business and personal financial conditions, including business performance, revenues, profitability, cash flow, and risk profiles, using unsecured credit products and merchant spend insights. Collaborate with senior approvers, field sales, internal partners, and clients; prepare clear credit memos and proactively monitor portfolio trends to ensure alignment with risk expectations.
Location: Richmond, Virginia
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Independently manage day-to-day workflow and make credit recommendations on cases up to $2MM exposure
  • •Apply advanced analytical skills to evaluate business performance, revenue, profitability, cash flow, and sustainability against policy guardrails
  • •Use knowledge of unsecured credit products, credit cards, and credit facilities to assess risk profiles and recommend appropriate solutions
  • •Conduct business interviews to understand business models, sources of revenue, merchant spend, and future projections
  • •Prepare credit memos for decisions, identify credit risks and mitigants, present to senior approvers, and monitor portfolio performance for risk alignment

Pay and Benefits

Salary: USD 87,700 - 110,100 annually

Key Requirements

  • •Bachelor's Degree or Military experience
  • •At least 2 years of experience in credit underwriting, financial analysis, or commercial lending
  • •1+ years of experience holding credit granting authority such as individual signing authority
  • •3+ years of experience with underwriting credit products, business credit cards, or commercial credit facilities
  • •Ability to independently manage complex problems with strong quantitative and business judgment and exceptional communication skills
Experience:2+ years
Education:Bachelor's
Skills:Quantitative analysisCommunicationStakeholder influenceSelf-motivationTeam-oriented mindset

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Discover Financial
Provides consumer banking products, credit cards, personal loans, and payment services through the Discover brand. It operates a major U.S. financial network and serves individuals and merchants with lending and digital payment solutions.
Industry: Retail Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 10M to 25M
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Riverwoods, United States
Founded: 1985
WebsiteLinkedIn