Risk Management Manager - German Speaking

Hybrid in London·Added 7 days ago (last checked 7 Oct)

American Express

66 open roles

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Overview

Job details

Hybrid
Office and home days — the ad has the split.

Requirements

German
The ad asks for German, or counts it in your favour.
Be near London for hybrid days
No relocation package mentioned.
Have 3+ years of experience
Mid-level role.

Skills

Nice to have

Requirements

What we're looking for

At least 3-5 years' experience conducting credit analysis at a leading financial institution or rating agency.
Experience in commercial credit assessment and/or underwriting with the ability to underwrite and make decisions/ recommendations on short term credit lines, determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.
Knowledge of analyzing the outputs from credit models, and identifying any rationale for any deviation found.
Knowledge of public agency ratings, and supporting analysis.
Ability to understand current macroeconomic trends, and making respective sound recommendations to improve the PD estimation based on the business cycle.
Ability to communicate succinct rationales for credit decisions both written and orally, including to audiences with a non-financial background.

Nice to have

Desirable: CFA or another professional qualification in finance, accounting or economics.
Desirable: Experience analyzing a range of industries in Europe.

Languages

Mandatory German / French language fluency.

The role

Portfolio Managers in CRU are responsible for assessing and monitoring credit risk across a portfolio of large exposures in their assigned region, industry, and business line. The ultimate objective is to help minimize the risk of loss and support internal stakeholders in driving profitable growth of our corporate business.

What you'll do

For large exposures, credit assessment is via fundamental credit analysis and incorporates a thorough review of business, its financial statements, calculation and interpretation of key credit metrics and ratios, industry and country risk, as well as consideration of signals from internal and external rating model outputs.
Portfolio Managers additionally underwrite larger credit programs across our commercial services business, requiring an understanding of the need for and appropriateness of credit extension, profitability of a relationship and program structures.
Portfolio Managers are also responsible for providing secondary review of decisions relating to smaller exposures in their area of expertise, as well as providing guidance and mentoring to CRU Analysts.
Portfolio Managers are also required to stay up to date with general corporate development and market sentiment, and be able to speak and write confidently on the outlook for the industries and markets in their area of responsibility.

About American Express

Industry: Financial Services
Founded: 1850
Employees: 50,000–100,000
Headquarters: New York, USA
Website: americanexpress.com

In their own words

About the company & team

CRU Portfolio Managers interact with various constituents across the firm including front office sales, second line of defense, business unit risk partners, and credit administration to perform their critical role.

Additional information

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.

All open roles at American Express