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About the Role
Commercial Rating and Underwriting (CRU) assesses and manages the risk of institutional exposures across all business units globally. CRU plays a critical role in determining credit ratings, providing underwriting for wholesale card and lending products, and ensuring compliance with global banking standards.
Responsibilities
- Assess and monitor credit risk across a portfolio of large exposures in assigned region, industry, and business line to minimize loss and support profitable growth.
- Conduct credit assessments for large exposures through fundamental credit analysis, including review of business, financial statements, key credit metrics, industry and country risk, and rating model outputs.
- Underwrite larger credit programs across commercial services, understanding credit extension needs, relationship profitability, and program structures.
- Interact with various constituents including sales, second line of defense, business unit risk partners, and credit administration.
- Provide secondary review of decisions for smaller exposures and guidance to CRU Analysts.
- Stay updated on corporate developments and market sentiment, and confidently discuss industry and market outlooks.
Requirements
- At least 3-5 years of experience conducting credit analysis at a leading financial institution or rating agency.
- Experience in commercial credit assessment and/or underwriting, including ability to underwrite and make decisions/recommendations on short-term credit lines, determine appropriate credit capacity, structure facilities, and apply risk mitigation techniques.
- Knowledge of analyzing credit model outputs and identifying rationale for deviations.
- Knowledge of public agency ratings and supporting analysis.
- Ability to understand current macroeconomic trends and make recommendations to improve PD estimation based on the business cycle.
- Ability to communicate succinct rationales for credit decisions both written and orally, including to non-financial audiences.
- Desirable: CFA or another professional qualification in finance, accounting, or economics.
- Desirable: Experience analyzing a range of industries in Europe.
- Offer of employment is conditioned upon successful completion of a background verification check, subject to applicable laws and regulations.
Skills
- Credit analysis
- Credit assessment
- Underwriting
- Financial statement analysis
- Credit metrics and ratios analysis
- Industry and country risk assessment
- Credit model analysis
- Macroeconomic trend analysis
- Written and oral communication
- French language proficiency (preferred)
- German language proficiency (preferred)
Location
- Global
Work Type
- Hybrid
- Onsite
- Virtual
Experience Level
- 3-5 years
Education Level
- CFA or another professional qualification in finance, accounting or economics (Desirable)
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
- Generous paid parental leave policies (depending on 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
About the Company
- International Card Services (ICS) brings together International Consumer and Small & Medium Size Enterprises (SME) issuing activities, as well as Commercial Large Market sales and account development teams, issuing Cards in 27 countries and responsible for two Joint Ventures covering around a dozen countries.
- American Express has a culture built on a 175-year history of innovation, shared values, and Leadership Behaviors, with an unwavering commitment to back customers, communities, and colleagues.
- American Express delivers differentiated products and world-class customer service with a strong risk mindset, upholding its brand promise of trust, security, and service.
- Team Amex offers powerful backing with comprehensive support for holistic well-being, opportunities to learn new skills, develop as a leader, and grow careers, where voices and ideas matter, work makes an impact, and together, the future of American Express is defined.
Equal Opportunity
- American Express may provide visa sponsorship for certain positions depending on factors such as business unit requirements, the nature of the position, cost, and applicable laws.
- Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.