Senior Analyst-Risk Management

Risk Analyst

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Commercial Rating and Underwriting (CRU) sits within the Risk and Information Management division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and Sydney. In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs.

As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the bank's primarily regulatory, the Federal Reserve.

How Will You Make an Impact in This Role?

Senior Analysts are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Assessment includes understanding of the need for credit extension, profitability of the relationship, and program structures.

Minimum Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Statistics, or other quantitative subjects / fields of study.
• 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.

Preferred Qualifications

Salary Range : $78,000.00 to $124,750.00 annually bonus benefits. The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally :

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and / or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

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