Senior Analyst-Risk Management

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How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you're finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.
The Credit Risk Oversight team within Global Risk & Compliance (GRC) is responsible for identifying and managing credit risk across all processes and geographies at American Express.
The candidate is responsible to conduct independent portfolio monitoring and credit risk assessments, develop and maintain automated monitoring rules, review credit risk processes, and take part in projects that provide effective challenge to 1st line credit risk teams.    This role assures that Credit risk is properly evaluated and effectively communicated.   The role also provides the opportunity to work with and impact numerous diverse businesses at American Express.    The breadth of responsibilities in this role provides a great training ground for a candidate looking to understand the key principles of Institutional credit risk management.   
Key Responsibilities:
The Credit Risk Oversight team within American Express is responsible for reviewing the credit process in commercial lending portfolios at the firm.
The Credit Review team performs independent reviews of commercial loan portfolios that include an evaluation of the adequacy and accuracy of lending decisions, consistent application of risk policy and credit procedures, analysis of underwriting standards and practice, and determining through ongoing monitoring the overall assessment of asset quality.
Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues.
Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers.
Support the development of next generation risk capabilities (e.g. Smart Monitoring)
Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics.

Qualifications:
2+ years of credit experience in Banking, Credit Risk Management or review experience.
Knowledge of financial statement analysisincluding an understanding of key financial ratios with the ability to form independent opinions on credit and recognize emerging risks
Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve.
Knowledge of macroeconomic trends and its impact on borrower repayment.
Analytical skills and business acumen with a risk-reward control perspective.
Experience with data-driven analytical tools a plus (e.g. SQL, SAS, HIVE/HADOOP, R, Python)
Ability to clearly communicate findings to credit risk peers, business partners, and senior leaders.
Demonstrates the courage to challenge the status quo.
Demonstrates the ability to successfully manage multiple priorities under pressure.
Proven ability to collaborate with colleagues across the Company.
Self-starter with natural curiosity to solve problems.
Bachelor's degree with a degree (or substantial coursework) in finance, accounting, economics, or statistics

Salary Range: $55,000.00 to $105,000.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
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 ourColleague 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.
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.
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