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Total System Services, Inc.

Credit Risk Analyst

Total System Services, Inc. - Broomfield, CO

Credit Risk Analyst




Every day, the people of TSYS® and Netspend® improve lives and businesses around the globe through payments. We make it possible for millions of people to move money between buyers and sellers using our payments solutions including credit, debit, prepaid and merchant services. We are People-Centered Payments, and our team has the unique opportunity to help create a world in which payments make people's lives easier and better. This is both a tremendous honor and an important responsibility for those who accept the challenge. If you are looking to make a valuable difference for people everywhere — and for yourself — we may have the right place for you.

Summary of This Role

Analyzes credit worthiness of commercial accounts by reviewing internal and external information, including processing activity reports, credit bureau reports, financial statements, etc.

Renders a commercial credit decision upon review of information.

Writes detailed credit reviews and performs complex analyses, including analysis of cash flow, quality of assets and earnings, working capital, potential liabilities and risks, and impact of credit review findings. Negotiates collateral requirements and/or change of terms with merchants.

Calls and writes commercial customers to request information, such as financial statements, shipping/delivery information, marketing brochures, etc.

Discusses financial results with CFO, controller, etc.

Conducts on-site due diligence visits.

What Part Will You Play?

Assists in the completion of highly sensitive regulatory and compliance functions by gathering and compiling (non)routine data for moderately complex reporting. Assists with in-depth risk analysis of data, makes recommendations, and/or decisions of basic to moderate complexity/exposure level.

Assists more experienced Risk and Compliance Analysts in completing internal, client required and external audits/reviews (ex. Independent Sales Organizations (ISOs), agent banks, vendors, merchants, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Financial Institution Examinations Council, Internal Audit, Card Brand Audits, Federal Trade Commission, etc.), and the implementation of certain control/oversight processes based on risk and compliance program needs. May provide more experienced Analysts and/or management with recommendations for process improvements.

Assists with the creation of moderately complex reports containing highly sensitive information to provide responses to inquiries from internal and regulatory, client and compliance entities.

Assists with training and moderately complex projects. Makes decisions and/or recommendations when appropriate within established guidelines.

What Are We Looking For in This Role?

Minimum Qualifications

At least 2 years solid commercial credit experience. Or, recent college grads with relevant course work, summer internships, and related work experience.

Strong financial statement analysis skills.

Banking, ACH Transactions, and Payment Processing backgrounds a definite plus.

College degree required. Preference for Finance, Accounting, Business, Economics or Math majors.

Team player with exceptional verbal and written communication skills.

Ability to justify credit decisions, balance risk and business / sales issues.

Articulate. Can negotiate with sometimes difficult commercial customers.

Able to multi-task in a high volume, fast-paced environment.

Advanced MS Excel skills and strong working knowledge of other MS Office applications.

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US Applicants:TSYS is an equal opportunity employer (EOE) committed to employing a diverse workforce and sustaining an inclusive culture. For more information about your rights, click here.

Qualified individuals with disabilities may be entitled to reasonable accommodations to assist in their pursuit of employment with TSYS. This includes assistance in completing the job application (online or otherwise) and reasonable accommodations during the hiring process. For assistance with reasonable accommodations needed to apply for a job, please contact the TSYS Pay and Benefits Center between 8 a.m. and 7 p.m. Eastern Monday-Friday at 1.706.644.8747 or 1.877.644.8747 or email at


Outside of US Applicants:

TSYS is committed to diversity and equal opportunities for everyone. We are committed to ensuring that all job applicants and team members are treated equally, without discrimination because of gender, sexual orientation, marital or civil partner status, gender reassignment, race, colour, nationality, ethnic or national origin, religion or belief, disability, age or any other characteristic prohibited by law. For more information, please refer to our Code of Business Conduct and Ethics, found here.

The people of TSYS® and Netspend® are part of something bigger. We have the opportunity to touch millions of people and businesses each and every day - both a tremendous honor and a huge responsibility. We are known around the world for the passion and enthusiasm we bring to the business of payments.

TSYS team members are the best and brightest in the industry, with both the drive and ambition required in today's market. We have yet to find limits to what our people can accomplish together.

Our family of companies offers a wide array of careers in which team members can leverage their skills and advance their future, while helping TSYS succeed in delighting customers around the world. We want to help candidates find the right fit within the TSYS family and in the right location.

Visit our career sites for more information about TSYS and Netspend.

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9 days 14 hours ago

Total System Services, Inc.

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Please review all application instructions before applying.

Location: Broomfield, CO

Company Profile:
The people of TSYS® believe we are part of something bigger. Each and every day, we have the opportunity to touch millions of people and businesses — both a tremendous honor and a huge responsibility. For each of life’s purchases, TSYS is behind the scenes making the process frictionless and safe.