Impress employers and recruiters.
Choose from hundreds of resume examples.
Impress employers and recruiters.
Choose from hundreds of resume examples.
Tailor your resume to this Credit Risk Manager - German Speaking role.
Rezi rewrites your resume against American Express's job description. Free.
Tailor your resume to this Credit Risk Manager - German Speaking role.
Rezi rewrites your resume against American Express's job description. Free.
Don't guess if your resume is good enough.
See how it scores against the Credit Risk Manager - German Speaking posting at American Express — free, in seconds.
Don't guess if your resume is good enough.
See how it scores against the Credit Risk Manager - German Speaking posting at American Express — free, in seconds.
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 is critical for maintaining compliance with global banking standards and supporting profitable business growth.
Responsibilities
- Assess and monitor credit risk across a portfolio of large exposures in an 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 financials, credit metrics, industry/country risk, and rating model outputs.
- Underwrite larger credit programs for the commercial services business, understanding credit extension needs, relationship profitability, and program structures.
- Interact with various internal constituents, including sales, 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, confidently discussing industry and market outlooks.
Requirements
- At least 3-5 years of experience in credit analysis at a leading financial institution or rating agency.
- Mandatory German/French language fluency.
- Experience in commercial credit assessment and/or underwriting, including decision-making on short-term credit lines, credit capacity determination, facility structuring, and risk mitigation.
- 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 credit decision rationales clearly, both written and orally, to diverse audiences.
- Desirable: CFA or other professional qualification in finance, accounting, or economics.
- Desirable: Experience analyzing a range of industries in Europe.
Skills
- Credit Analysis
- Underwriting
- Financial Statement Analysis
- Credit Metrics and Ratios
- Industry and Country Risk Assessment
- Credit Model Analysis
- Macroeconomic Trend Analysis
- Written and Oral Communication
- German Language Fluency
- French Language Fluency
Location
- Global
Work Type
- Hybrid
- Onsite
- Virtual
Experience Level
- 3-5 years
Education Level
- CFA or other professional qualification in finance, accounting or economics (Desirable)
Salary/Compensations
- Competitive base salaries
- Bonus incentives
Benefits
- 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 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
About the Company
- American Express has a 175-year history of innovation, shared values, and Leadership Behaviors.
- The company is committed to backing customers, communities, and colleagues.
- Operations focus on delivering differentiated products, world-class customer service, and maintaining a strong risk mindset.
- Culture emphasizes innovation, trust, security, and service.
- Team Amex offers support for holistic well-being, skill development, leadership growth, and career advancement.
Equal Opportunity
- Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.