A Credit Analyst at American Express plays a key function in assessing credit score risks for the company and small commercial organization card programs, issuer organization services, and securities portfolios. The analyst reviews monetary statements, organization developments, and monetary situations to determine creditworthiness. They collaborate with internal businesses which include profits, risk control, and credit score management to shape credit rating programs and mitigate danger. The function requires information in financial modeling, GAAP/IFRS accounting, and macroeconomic assessment. Analysts use credit score danger models like Moody’s RiskCalc to benefit and aid their options. Their paintings ensure responsible lending and compliance with regulatory banking requirements.
- Role: Credit  Analyst
- Company: American Express
- Experience: 1 – 3 Years
- Salary: Not disclosed
- Location: Bangalore Rural, Bengaluru
Job Description
A Credit Analyst at American Express evaluates the creditworthiness of corporations and people by analyzing economic facts, agency dispositions, and monetary conditions. They evaluate financial statements, determine risks, and suggest credit rating limits or mortgage approvals. Credit Analysts use threat models, economic ratios, and qualitative assessment to decide default possibilities. They paintings in economic establishments, banks, and company finance corporations, making sure accountable lending and funding alternatives. Their function is important in minimizing horrible debt and optimizing portfolio threats Strong analytical competencies, hobby to element, and financial acumen are essential for the fulfillment of this function.
About Company
American Express (Amex) is a chief international financial services enterprise company known for its credit score playing cards, adventure services, and monetary products. Founded in 1850, Amex is located in New York and serves loads of plenty of clients worldwide. The organization gives pinnacle-price customer service, innovative rewards packages, and monetary answers tailored to corporations and those. Credit Analyst at American Express operates with strong popularity on accept as right with, safety, and digital transformation. It offers bendy painting environments via Amex Flex and emphasizes expert boom, variety, and inclusion. American Express As an economic enterprise-keeping business organization agency, Amex complies with international banking rules at the same time as retaining monetary balance.
Key Roles
Support clients’ financial self-warranty and enterprise increase.
Work in a collaborative and various environment with over 60,000 colleagues international.
Be part of Amex Flex, which gives onsite, hybrid, or digital work fashions.
Overview of the Department (Commercial Rating and Underwriting – CRU):
CRU is part of the Credit and Fraud Risk (CFR) branch.
Responsible for institutional credit score hazard control throughout global business enterprise gadgets.
Evaluates credit publicity through agency/small business enterprise employer card applications, provider offerings, and securities portfolios.
Offices in Salt Lake City, New York, London, Singapore, Sydney, and India.
Job Responsibilities:
Analyze and underwrite credit score exposures for English-speakme markets.
Conduct vital evaluation of company, monetary, enterprise, and American risks.
Assess credit score extension needs, dating profitability, and software program systems.
Work with organizations just like the front office profits, enterprise unit hazard companions, and credit score control.
Education
Experience as a credit score rating analyst or underwriter managing commercial exposures.
Strong information on monetary evaluation and employer economic statements.
Knowledge of GAAP/IFRS accounting, company valuation, and forecasting.
Familiarity with credit score threat fashions (e.g., Moody’s RiskCalc, CreditEdge).
Awareness of macroeconomic dispositions and credit score rating rating threat implications.
Skills for a Credit Analyst at American Express
Financial Analysis – Ability to interpret economic statements, cash go with the waft and profitability.
Credit Risk Assessment – Experience with credit score score score fashions, danger frameworks, and monetary assessment.
Accounting Knowledge – Familiarity with GAAP/IFRS standards and business enterprise valuation.
Decision-Making & Problem-Solving – Evaluating complex credit score situations and making data-driven alternatives.
Collaboration & Communication – Working with inner groups and supplying risk checks efficiently.
Benefits of Working at American Express
Amex Flex Work Model – Offers onsite, hybrid, and virtual digital artwork options for flexibility.
Competitive Compensation & Bonuses – Attractive revenue with usual overall performance-primarily based incentives.
Health & Wellness Benefits – Comprehensive scientific medical insurance, nicely-being packages, and an intellectual fitness manual.
Career Growth & Learning – Opportunities for functionality improvement, management schooling, and mentorship programs.
Retirement & Financial Benefits – 401(okay) matching, stock purchase plans, and financial making plans assist.
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