Don’t just work for a market leading global company. Help grow one.
Overview of The Department
Commercial Rating and Underwriting (CRU) sits within the Credit & Fraud Risk 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. Credit exposures are primarily generated through corporate and small business card programs, working capital facilities, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, Gurgaon and Sydney.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel Accords and implemented by the bank’s primarily regulatory, the U.S. Federal Reserve.
Managers in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures. CRU managers interact with various constituents across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Why American Express?
There’s a difference between having a job and making a difference.
American Express has been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.
We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.
Because we believe that the best way to back our customers is to back our people.
The powerful backing of American Express.
Don’t make a difference without it.
Don’t live life without it.
To complete your application please click on the links below. However, if you require any assistance with the completion of this process – or need any reasonable adjustments to be made – then please contact the Recruitment Team on or (for Russia based candidates ).
Schedule (Full-Time/Part-Time): Full-time
Cadnam, Hampshire Amazon Flex. Flexible hours. Great earnings. Be your own boss.Become an Amazon Flex Delivery Partner and make £12-£15 p/h*! ...Apply For This Job
Newbury, Berkshire DIMENSIONS Dimensions is proud to be one of very few social care organisations that are members of the Great Places...Apply For This Job
Hixon, Staffordshire MPCG HR & Recruitment Limited Hixon, Staffordshire Permanent - Part Time £Competitive salary Our Client Air & Ground, are...Apply For This Job