Systems Analyst I

Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.

Who we are

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.

What we do

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.

Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Position Summary:

This Systems Analyst I role will support the Recreation Lending business with detail-oriented and technically skilled support to maintain and enhance software and technical systems used within the business. This role is responsible for analyzing, maintaining, and automating business processes, with a strong emphasis on system optimization. The ideal candidate will collaborate closely with business stakeholders to improve operational efficiency, update system rules, and provide ongoing system support.

Essential Functions:

• Analyzes business processes within the recreational lending environment and identify opportunities for automation and optimization.
• Responsible for developing, maintaining, and enhancing system logic and workflows using modern programming practices.
• Writes and maintains code to support system enhancements and automation initiatives (LoanPro and Clojure experience is a plus).
• Manages updating and managing system rules, decision engines, and configurations.
• Supports day-to-day system operations, including troubleshooting issues and resolving defects.
• Collaborates with cross-functional teams to understand business requirements and translate them into technical solutions.
• Works under the guidance of a senior leader to implement system improvements and ensure alignment with business goals.
• Participates in system testing, validation, and deployment activities.
• Documents system processes, changes, and technical specifications.

Education & Experience:

• Associate’s degree in information systems, Computer Science, or a related field (or equivalent experience) is required, two years’ experience accepted in lieu of education requirement.
• Two (2) years’ experience in systems analysis, application support, or software development

Knowledge, Skills and Capabilities:

• Strong coding/programming skills (experience with functional programming languages is a plus)
• Ability to analyze complex systems and translate business needs into technical solutions
• Experience supporting business critical systems and troubleshooting production issues
• Strong problem-solving skills and attention to detail
• Ability to work collaboratively within the business and cross functionally in the company
• Sound knowledge of banking regulations and laws
• Experience and demonstrated skill with Microsoft Office Suite (Word, Excel, etc.), e-mail, and database software.
• Proficient at interpreting reports and making strategic decisions.
• Ability to solve practical problems and deal with a variety of concrete variables. Ability to interpret data and a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to work effectively under pressure. Skill at handling a variety of assignments simultaneously. Flexibility, ability, and willingness to work at a rapid pace in strict time frames.
• Communicates effectively both orally and in writing; presents ideas in a clear, concise, understandable, and organized manner.
• Effective planning, organization, time management, and problem-solving skills. High level of accountability for work with limited supervision. High degrees of accuracy and trust are required.
• Willingness and ability to engage in continuing education and occasional travel in support of business.
• Consistent demonstration of the company’s C.R.I.T.I.C.A.L. values

Compliance with Laws & Regulations

• Responsible for complying with all the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Work Environment/Physical Demands:

• This position is hybrid. If hybrid, the position requires employees to be on-site approximately 2 days per week. Flexibility can be discussed based on team needs.
• Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time.
• Some stress may occur
• Travel is generally not required

#INDHP1

Why join us

We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.

At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.

We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.

If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.