Analyst-Risk Management
About The Position
Join Team Amex and help lead the way in serving customers through innovative solutions. This role involves working with valuable data to identify insights and actions that impact customers and the business. You will have opportunities to learn from industry leaders and grow your career. The Commercial Rating and Underwriting (CRU) team, within the Risk and Information Management division, is responsible for institutional credit risk management. CRU assesses and manages the risk of institutional exposures across all business units and regions globally. This includes credit exposures from corporate and small business card programs, merchant service relationships, and the securities portfolio. CRU calculates the internal credit rating, probability of default, and loss given default for obligors, while also underwriting card programs. As a bank holding company, American Express adheres to global banking standards set by Basel and implemented by the Federal Reserve.
Requirements
- Bachelor’s degree in Finance, Economics, Accounting, Statistics, or other quantitative subjects/fields of study. Candidates with other majors who have a strong desire to work in credit analysis are also encouraged to apply.
- 0-5 years work experience in credit analysis or a related field.
- Understanding of fundamental financial analysis including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations.
- Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting.
- Comfort with public agency ratings and supporting analysis.
- Understanding of current macroeconomic trends and how to provide recommendations to improve the probability of default (PD) estimation based on the business cycle.
- Experience preparing company-specific and industry-wide credit memorandums.
- Familiarity with global markets.
- Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Nice To Haves
- MBA or Masters in Finance, Economics, or other quantitative subjects/fields of study preferred.
- Relevant certifications such as CFA and FRM a plus.
Responsibilities
- Rating and underwriting credit exposures in their assigned region, industry, and business line.
- Conducting fundamental analysis through a thorough review of business, financial, industry, and country risk, supported by internal and external rating model outputs.
- Assessing the need for credit extension, profitability of the relationship, and program structures.
Benefits
- Competitive base salaries
- Bonus incentives
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counseling support through our Healthy Minds program
- Career development and training opportunities
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
