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About the Role
The Commercial Rating and Underwriting (CRU) team assesses and manages the risk of institutional exposures across all business units and regions globally within American Express. This role involves determining internal credit ratings, underwriting credit exposures, and ensuring compliance with global banking standards.
Responsibilities
- Rating and underwriting credit exposures in assigned region, industry, and business line.
- Conducting fundamental credit assessments by reviewing business, financial, industry, and country risk.
- Utilizing internal and external rating model outputs.
- Demonstrating understanding of credit extension needs, relationship profitability, risk mitigation, and program structures.
Requirements
- Fluency in English is mandatory.
- Fluency in German is strongly preferred.
- Understanding of financial analysis, including reviewing corporate financial statements to determine key risk drivers, probability of default, and obligor's ability to meet credit obligations.
- Comfortable determining appropriate credit capacity, structuring facilities, and risk mitigation techniques.
- Ability to prepare accurate company-specific and industry-wide credit risk memorandums.
- Offer of employment is conditional upon successful completion of a background verification check, subject to applicable laws and regulations.
Skills
- Fundamental credit analysis
- Underwriting of commercial enterprises
- Financial analysis
- Reviewing corporate financial statements
- Determining key risk drivers
- Assessing probability of default
- Evaluating obligor's ability to honor credit obligations
- Determining credit capacity
- Structuring of facilities
- Risk mitigation techniques
- Preparing credit risk memorandums
- Written communication skills
- Verbal communication skills
Location
- Global
Work Type
- Hybrid
- Onsite
- Virtual
Experience Level
- 1-2 years of experience in fundamental credit analysis and/or underwriting of commercial enterprises preferred
Education Level
- Bachelor’s degree/equivalent in Finance or a related subject
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
- American Express has a 175-year history of innovation, shared values, and Leadership Behaviors.
- The company is committed to backing its customers, communities, and colleagues.
- American Express operates with a strong risk mindset, ensuring trust, security, and service.
- Team Amex offers support for holistic well-being, learning opportunities, leadership development, and career growth.
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.