Analyst - Commercial Credit Risk

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Job Description

The Commercial Credit Review Team provides oversight of all risk rating and underwriting decisions made within the global commercial portfolio at American Express. The candidate will conduct portfolio monitoring and credit risk assessments, develop and maintain automated monitoring rules, and review credit risk processes. The successful candidate in this role will be able to evaluate credit risk and communicate the potential risk effectively. The role provides the candidate good exposure to a broad range of credit processes and the opportunity to work with and impact numerous business units at American Express. The breadth of responsibilities in this role provides a great training ground for a candidate looking to understand the key principles of commercial credit risk management.

 

Detailed responsibilities include: 

  • Review relevant supporting financial statements of large commercial clients and underwriting documentation
  • Assess adherence to credit policies and procedures
  • Provide effective challenge to rating and underwriting decisions and credit strategies made by business unit risk teams
  • Collaborate with business unit risk teams to enhance decision processes or address major credit issues
  • Monitor portfolio risks trends, including industry-level monitoring


Qualifications

  • Bachelor's degree in field required (e.g., Finance, Statistics, Economics, Engineering, or Operations Research); advanced degree (Masters+) and/or progress towards CFA is preferred
  • 0-2 years of related experience preferred
  • Financial statement analysis
  • Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle

  • Strong analytical skills and business acumen with a risk-reward control perspective
  • Successfully manage multiple priorities and stakeholders under pressure
  • Build collaborative, trusting relationships
  • Independently drive results as a self-starter
  • Excellent verbal and written communication skills
  • Experience with data manipulation tools (e.g.: SQL, SAS, HIVE/HADOOP, R, Python) is a plus
Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

ReqID: 19019790
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Nov 5, 2019, 4:46:54 PM