<p class="MsoNormal"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">At American Express, our culture is built on a 175-year history of innovation, shared <a href=" target="_blank" rel="noopener">values</a> 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.</span></span></span><o:p></o:p></p> <p class="MsoNormal"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.</span></span></span><o:p></o:p></p> <p class="MsoNormal"><strong><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">How will you make an impact in this role?</span></span></span></strong><o:p></o:p></p> <p class="MsoNormal"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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. </span></span></span><o:p></o:p></p> <p class="MsoNormal"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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.</span></span></span><o:p></o:p></p> <p class="MsoNormal"><strong><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Key Responsibilities:</span></span></span></strong><o:p></o:p></p> <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Conduct quantitative analysis on risk management data to drive insights and recommendations for first-line teams.</span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Identify credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Develop requirements to support the next generation risk capabilities </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers. </span></span></span><o:p></o:p></li> </ul> <p class="MsoNormal"><strong><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Qualifications:</span></span></span></strong><o:p></o:p></p> <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">5+ years of Banking or Credit risk management experience and strong experience related to Commercial credit extension and management. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Knowledge of macroeconomic trends and its impact on borrower repayment. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Demonstrates the courage to challenge the status quo. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Project management skills, ability to deliver high quality results while meeting deadlines, department and personal goals. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders. </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Experience with data-driven analytical tools is helpful (e.g. SQL, SAS, R, Python) </span></span></span><o:p></o:p></li> <li class="MsoNormal" style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Bachelor’s degree with high GPA and a degree (or substantial coursework) in Finance, Accounting, Economics, or Business.</span></span></span><o:p></o:p></li> </ul> <p class="MsoNormal"><o:p> </o:p></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Salary Range: $80,000.00 to $155,000.00 annually + bonus + benefits</span></span></span></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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.</span></span></span></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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:</span></span></span></p> <ul> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Competitive base salaries </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Bonus incentives </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">6% Company Match on retirement savings plan </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Free financial coaching and financial well-being support </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Comprehensive medical, dental, vision, life insurance, and disability benefits </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Free and confidential counseling support through our Healthy Minds program </span></span></span></li> <li style="color: rgb(0, 0, 0);"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Career development and training opportunities</span></span></span></li> </ul> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">For a full list of Team Amex benefits, visit our <u><a href=" target="_blank" rel="noopener">Colleague Benefits Site</a></u>.</span></span></span></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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.</span></span></span></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">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.</span></span></span></p> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">US Job Seekers - Click to view the “<a href=" target="_blank" rel="noopener"><u>Know Your Rights</u></a>” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: <a href=" style="color: #0563c1; text-decoration: underline;" target="_blank" rel="noopener"> <p style="margin: 0in; font-family: Arial; font-size: 12.0pt;"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 16px;"><span style="color: #000000;">Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions</span></span></span></p>
