Merchant Services Credit Analyst I

Bank of America

Credit Analyst making credit decisions for Merchant Acquiring services at Bank of America. Responsible for reviewing applications and ensuring accuracy and completeness in underwriting process.

Posted 6/25/2026full-timePhoenix • Arizona, New Jersey, North Carolina • 🇺🇸 United StatesJuniorMid-LevelWebsite

About the role

Key responsibilities & impact

Makes credit request decisions according to relevant regulations, policies, and guidelines
Conducts appropriate analyses to decision deals, as applicable
Clearly and professionally communicates with internal colleagues and customers/clients
Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
Collaborates with peers to manage optimal workflow
Identifies and escalates process breakdowns

Requirements

What you’ll need

Minimum 2 years’ experience in a customer contact center
Experience in Commercial or Small Business lending/underwriting
Previous lending experience/lending authority
Knowledge of credit reports and bureaus
Ability to work effectively in a time sensitive environment
Ability to identify and elevate issues to management
Professional oral and written communication skills

Benefits

Comp & perks

Supporting our teammates’ physical, emotional, and financial wellness
Professional development opportunities

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit request decisionscommercial lendingsmall business lendingunderwritingcredit reportscredit bureaus

Soft Skills

professional communicationcollaborationproblem identificationtime management