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 lets 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. The Commercial Credit Risk Oversight Team lies within the Global Risk and Compliance Team within American Express. The team plays the critical role of providing oversight of all risk rating and underwriting decisions made within the Institutional (Commercial) Portfolio at American Express globally. The candidate is responsible for conducting independent portfolio monitoring and credit risk assessments, develop and maintain automated monitoring rules, review credit risk processes, and take part in projects that provide effective challenge to credit risk teams. This role assures that Institutional Credit risk is properly evaluated and effectively communicated. The position also provides exposure to a broad range of credit processes in Risk Management with the opportunity to work with and impact numerous diverse businesses 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 Institutional credit risk management at American Express. Key Responsibilities: ? Review and provide effective challenge to rating and underwriting decisions and credit strategies proposed by first line Credit Risk management teams. ? Review relevant supporting financial and credit analysis and documentation. ? Design, implement, and maintain automated decision rules with objective to fully monitor Credit Risk Processes ? Assess adherence to credit policies and procedures. ? Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues. ? Provide monitoring of portfolio risks trends, including industry-level monitoring Experience and Background: ? 0 ? 2 years? credit risk management experience or underwriting commercial exposures to small business, middle-market, and large multinational institutions ? Knowledge of current macroeconomic trends and how they impact the Probability of Default (PD) estimation based on the business cycle. ? Strong analytical skills and business acumen with a risk-reward control perspective ? Ability to successfully contribute to team projects, manage multiple priorities and stakeholders under pressure. ? Ability to build collaborative, trusting relationships across business lines. ? Demonstrates the courage to challenge the status quo. ? Excellent verbal and written communication skills ? Bachelor?s degree from university with a degree (or substantial coursework) in finance, accounting, economics, or statistics ? Experience with data-driven analytical tools (e.g.: SQL, Python, SAS, HIVE, R) is a plus Salary Range: $55,000.00 to $105,000.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: ? Competitive base salaries ? Bonus incentives ? 6% Company Match on retirement savings plan ? Free financial coaching and financial well-being support ? Comprehensive medical, dental, vision, life insurance, and disability benefits ? Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need ? 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy ? 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 For a full list of Team Amex benefits, visit our Colleague Benefits Site. 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. 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. We back our colleagues with the support they need to thrive, professionally and personally. Thats why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers/Employees - Click here to view the ?Know Your Rights? poster and the Pay Transparency Policy Statement. If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters

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