Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Discover Financial
Richmond
Workplace: HybridFull timeUSD 81,700 - 93,300 annuallyFunction: Banking, Lending & CreditEducation: bachelorsSkills: ["Quantitative analysis","Problem-solving","Communication","Writing","Team-oriented"]

Analyze business and personal financial conditions to evaluate creditworthiness and make credit recommendations for a portfolio with up to $1M exposure. Assess financial statements and supporting data, identify and mitigate credit risks, and prepare clear analyses for credit memos and deviations from policy. Conduct business interviews, request additional information when needed, monitor portfolio performance, and deliver exceptional client and partner service while adhering to regulations.

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Discover Financial
Discover Financial
1 day ago

Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

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Last checked: 3 hours agoStatus: Live

Job Summary

Analyze business and personal financial conditions to evaluate creditworthiness and make credit recommendations for a portfolio with up to $1M exposure. Assess financial statements and supporting data, identify and mitigate credit risks, and prepare clear analyses for credit memos and deviations from policy. Conduct business interviews, request additional information when needed, monitor portfolio performance, and deliver exceptional client and partner service while adhering to regulations.
Location: Richmond
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Entry level

Key Responsibilities

  • •Make credit recommendations on cases up to $1M exposure.
  • •Assess business financial performance against policy guardrails.
  • •Conduct business interviews to understand the client’s business model, revenue sources, merchant spend, projections, competition, and industry risks.
  • •Prepare clear, concise analysis supporting credit memos, including rationale for deviations from credit policy.
  • •Identify and mitigate key credit risks, request additional information as needed, and monitor portfolio performance while adhering to regulations.

Pay and Benefits

Salary: USD 81,700 - 93,300 annually

Key Requirements

  • •Currently has, or is in the process of obtaining, a Bachelor’s degree or higher and will complete the most recent full-time program by May 2027 or earlier.
  • •Strong quantitative, analytical, problem-solving, conceptual skills.
  • •Team-oriented traits.
  • •Exceptional interpersonal, verbal communication, and writing skills.
  • •Ability to analyze business and personal financial conditions to support creditworthiness and exposure decisions.
Education:Bachelor's
Skills:Quantitative analysisProblem-solvingCommunicationWritingTeam-oriented

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