Risk Management Analyst

• Experience in fundamental credit analysis and / or underwriting of commercial enterprises preferred (1-2 years)

• Bachelor's degree/equivalent in Finance or a related subject.

• Fluency in English mandatory; fluency in the German language would also be strongly preferred.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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.

• Understanding of 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 honor its credit obligations to American Express.

• 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.