Analyst-Risk Management

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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.

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.