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overview
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.
here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of american express. 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. 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 assesses and manages the risk of institutional exposures across all business units globally. Credit exposures are generated through corporate and small business card programs, merchant service relationships with non-delivery risk, and the securities portfolio for firm-wide liquidity. Cru is led from salt lake city with regional teams in new york, london, singapore, and sydney. It also considers internal credit rating and loss given default to support underwriting card programs, operating under basel standards.
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 includes a thorough review of business, financial, industry and country risk with support from internal and external rating model outputs. Assessment includes understanding 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. 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
* bi-lingual spanish & english speaking ability required
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
benefits
* competitive base salaries
* bonus incentives
* support for financial-well-being and retirement
* comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
* flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
* generous paid parental leave policies (depending on your location)
* 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
offer of employment with american express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
position details
* seniority level: entry level
* employment type: full-time
* job function: other
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.
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