%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EAt American Express, our culture is built on a 175-year history of innovation, shared %3Ca href=%22https://www.americanexpress.com/en-us/company/who-we-are/%22 target=%22_blank%22 rel=%22noopener%22%3Evalues%3C/a%3E and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you%27ll 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.%3C/span%3E%3C/span%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EHere, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.%3C/span%3E%3C/span%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EHow will you make an impact in this role?%3C/span%3E%3C/span%3E%3C/p%3E%0A%3Cp style=%22font-family: Arial;%22%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3E%3C/span%3E%3C/span%3E%3C/p%3E%0A%3Ctable border=%220%22 cellspacing=%220%22 cellpadding=%220%22 width=%22102%%22%3E%0A%3Ctbody%3E%0A%3Ctr%3E%0A%3Ctd width=%22100%%22 valign=%22top%22%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3E%3Cstrong%3EOverview of The Department %3C/strong%3E%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3ECommercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk Management (CFR) division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally.%26nbsp; Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.%26nbsp; CRU is led from Salt Lake City with regional teams in New York, London, Singapore, India and Sydney.%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EIn addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also underwrites Amex%26rsquo;s large commercial card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by our primary regulator, the Federal Reserve.%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3E%3Cstrong%3EJob Responsibilities %3C/strong%3E%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EDirectors in CRU are responsible for overseeing managers who rate and underwriting credit exposures in their assigned region, industry, and business line.%26nbsp; Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. %26nbsp;Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures. CRU directors interact with various constituents across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.%26nbsp; %3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3E%3Cstrong%3EDesired Skills:%3C/strong%3E%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cul%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EExpertise as a credit and underwriting decision maker dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EThorough understanding of fundamental financial analysis, including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations.%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3ELead various projects to meet heightened standards for Category 2 bank, as issued by the Office of the Comptroller of the Currency on regulatory capital rule and liquidity coverage ratio rule%3C/span%3E%3C/span%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EProven ability to influence others to achieve complex objectives against tight deadlines%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EComfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EKnowledge of how probability of default and loss given default determine economic capital%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EExperience in determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EComfort with public agency ratings and supporting analysis%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EUnderstanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle%26nbsp;%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EExperience preparing company-specific and industry-wide credit memorandums%26nbsp;%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EExcellent judgment in making sound rating and underwriting decisions to maximize profitability and mitigate risk%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EReview of rating methodology in operating manual in English and Chinese%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3ETrack record of collaborating and building relationships across organization%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EAbility to lead large scale, time sensitive, enterprise-wide projects through to successful completion%3C/span%3E%3C/span%3E%3C/li%3E%0A%3C/ul%3E%0A%3Cp%3E%3C/p%3E%0A%3Cp%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3E%3Cstrong%3EQualifications:%3C/strong%3E%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/p%3E%0A%3Cul%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EMinimum 10 years%26rsquo; experience in rating and / or underwriting at a leading financial institution or rating agency%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EExperience in managing, training and mentoring direct reports%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EBachelor%26rsquo;s degree from a top tier university in finance, accounting, economics, or statistics%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EProficiency in English and Chinese (Mandarin)%26nbsp;%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3Cli%3E%3Cspan style=%22font-size: 16px;%22%3E%3Cspan style=%22font-family: arial, helvetica, sans-serif;%22%3EGood knowledge on the U.S banking regulations, particularly those imposed by Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation.%26nbsp;%3C/span%3E%3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/li%3E%0A%3C/ul%3E%0A%3C/td%3E%0A%3C/tr%3E%0A%3C/tbody%3E%0A%3C/table%3E
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:
Competitive base salaries
Bonus incentives
Support for financial-well-being and retirement
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
Generous paid parental leave policies (depending on your location)
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
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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