Analyst-Risk Management

International Card Services (ICS) brings together our International Consumer and Small & Medium Size Enterprises (SME) issuing activities, as well as our Commercial Large Market sales and account development teams. ICS issues Cards in 27 countries, and is responsible for two Joint Ventures covering around a dozen countries. The leaders in these countries are empowered to make decisions at a local level, in partnership with other local business leaders. Local teams are supported by two cross-market teams – the Centre of Excellence, and Risk & Control Management.

 

Commercial Rating and Underwriting (CRU) sits within the Credit & Fraud Risk division and forms a key component of 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 card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.

 

In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also provides underwriting (i.e. approval and limit sizing) for wholesale card and lending products. As a bank holding company, American Express must comply with the highest global banking standards.

Responsibilities

Credit Risk Analysts in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. The Analysts’ fundamental credit assessment incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Analysts will also need to show an understanding of the need for credit extension, profitability of the relationship, risk mitigation and program structures. 

Qualifications

• Fluency in English mandatory; fluency in the German language would also be strongly preferred.

• Bachelor’s degree/equivalent in Finance or a related subject.

• Experience in fundamental credit analysis and / or underwriting of commercial enterprises preferred (1-2 years)

• Understanding of financial analysis including the ability to review corporate financial statements to determine key risk drivers, an appropriate probability of default and the ability of the obligor to honor its credit obligations to American Express.

• Comfortable determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.

• Ability to prepare accurate company-specific and industry-wide credit risk memorandums.

• Excellent written and verbal communication skills.

 

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. 

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.

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:

• 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