Job Details

Description

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. As part of Team Amex, you'll 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 American Express.

How will you make an impact in this role?

The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company’s credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company’s risk appetite.

The candidate is responsible to conduct independent credit risk assessments of commercial rating and underwriting decisions, develop monitoring rules, review credit risk processes, and take part in projects that provide credible challenge to 1st line credit risk teams. The candidate should have experience in commercial credit risk management, data & analytics, risk appetite limit setting, portfolio monitoring and relevant regulatory regulations, and guidance.

Key Responsibilities:

• Conduct independent review of wholesale rating and underwriting decisions and provide credible challenge to first line teams.Assess adherence to credit policies and procedures and bank regulations.

• Conduct quantitative analysis on risk management data to drive insights and recommendations for first-line teams.

• Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues.

• Identify credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk.

• Develop requirements to support the next generation risk capabilities

• Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics.

• Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers.

Qualifications:

• 5 years of Banking or Credit risk management experience and strong experience related to Commercial credit extension and management.

• Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve.

• Knowledge of macroeconomic trends and its impact on borrower repayment.

• Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders.

• Demonstrates the courage to challenge the status quo.

• Project management skills, ability to deliver high quality results while meeting deadlines, department and personal goals.

• Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders.

• Experience with data-driven analytical tools is helpful (e.g. SQL, SAS, R, Python)

• Bachelor’s degree with high GPA and a degree (or substantial coursework) in Finance, Accounting, Economics, or Business.

Qualifications

Salary Range: $80,000.00 to $155,000.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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

• 6% Company Match on retirement savings plan

• Free financial coaching and financial well-being support

• Comprehensive medical, dental, vision, life insurance, and disability benefits

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

• 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

• Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

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Job: Risk

Primary Location: US-Utah-Sandy

Schedule Full-time

Req ID: 25010877