Analyst-Risk Management

You Lead the Way. We've Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you'll be recognized for your contributions, leadership, and impact-every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our company values and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let''s lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you're finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

Overview of the Department:

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.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our 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. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Minimum Qualifications:

• 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

Preferred Qualifications:

• MBA or Masters in Finance, Economics, or other quantitative subjects/fields of study preferred.

• Relevant certifications such as CFA and FRM a plus

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

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How will you make an impact in this role?

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.

How will you make an impact in this role?

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.