Job Description

Credit Risk Analyst
PCD330169

At the organisation, 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.
As part of Team Amex, you will experience this 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 the organisation.

How will you make an impact in this role?
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.
Minimum the organisation
Fluency in English and French mandatory.
Bachelor’s degree/equivalent in Finance or a related subject.
Experience in fundamental credit analysis and / or underwriting of commercial enterprises (1-2 years)
Understanding of fundamental 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 honour its credit obligations to the organisation.
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.
Basic working knowledge of technology provider spreadsheet application.
Understanding of banking regulations, particularly those imposed by Basel Committee on Banking Supervision.
Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle.

What we offer

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
Offer of employment with the organisation is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.