Jobs
My ads
My job alerts
Sign in
Find a job Career Tips Companies
Find

Credit risk manager

London
American Express
Credit risk manager
Posted: 18 August
Offer description

Portfolio Manager - Commercial Rating and Underwriting

Join to apply for the Portfolio Manager - Commercial Rating and Underwriting role at American Express


Portfolio Manager - Commercial Rating and Underwriting

Join to apply for the Portfolio Manager - Commercial Rating and Underwriting role at American Express


At American Express, our culture is built on a 175-year history of innovation, shared values 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.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. Commercial Rating and Underwriting (CRU) sits within the Credit & Fraud Risk division and forms a key component of 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 card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.


In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also provides underwriting (i.e. approval and limit sizing) for wholesale card and lending products. As a bank holding company, American Express must comply with the highest global banking standards. H ow will you make an impact in this 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
* For large exposures, credit assessment is via deep fundamental 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
* CRU Portfolio Managers interact with various constituents across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role
* 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 Minimum Qualifications
* At least 3-5 years’ experience conducting fundamental credit analysis at a leading financial institution or rating agency
* Demonstrable expertise in being able to assess the qualitative strengths of a business as well as performing in-depth analysis of financial statements
* 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
* Sound portfolio management skills
* 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
Preferred Qualifications
* Desirable: CFA or another professional qualification in finance, accounting or economics
* Desirable: Experience analyzing a range of industries in Europe including Financial Institutions
* Desirable: Fluency in French language a considerable advantage
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.


Seniority level

* Seniority level

Mid-Senior level


Employment type

* Employment type

Full-time


Job function

* Job function

Other

Referrals increase your chances of interviewing at American Express by 2x


Sign in to set job alerts for “Portfolio Manager” roles.

London, England, United Kingdom 1 month ago

London, England, United Kingdom 3 weeks ago

London, England, United Kingdom 7 months ago

London, England, United Kingdom 1 month ago

London, England, United Kingdom 1 week ago

London, England, United Kingdom 2 months ago

London, England, United Kingdom 1 week ago


Equity L/S Portfolio Manager - Consumer Equities

Greater London, England, United Kingdom 1 week ago

London, England, United Kingdom 1 month ago

London, England, United Kingdom 2 weeks ago

London, England, United Kingdom 5 months ago

London Area, United Kingdom $200,000.00-$250,000.00 3 weeks ago

London, England, United Kingdom 3 months ago

London, England, United Kingdom 1 month ago

Tottenham, England, United Kingdom 2 weeks ago

London, England, United Kingdom 2 months ago

London, England, United Kingdom 1 week ago

London, England, United Kingdom 1 month ago

London, England, United Kingdom 2 weeks ago

London, England, United Kingdom 1 week ago


Fixed Income Portfolio Manager, Emerging Markets Debt

London, England, United Kingdom 1 month ago

London, England, United Kingdom 1 month ago

London Area, United Kingdom £130,000.00-£150,000.00 14 hours ago

London, England, United Kingdom 5 days ago

Watford, England, United Kingdom 2 months ago

London, England, United Kingdom 18 hours ago

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.

#J-18808-Ljbffr

Apply
Create E-mail Alert
Job alert activated
Saved
Save
Similar job
Senior credit risk manager | london, uk
London
iwoca
Credit risk manager
Similar job
Credit risk manager/senior credit risk manager (hybrid role with 80-100% working degree)
London
Crossell
Credit risk manager
Similar job
Senior credit risk manager
London
iwoca
Credit risk manager
See more jobs
Similar jobs
American Express recruitment
American Express jobs in London
Banking jobs in London
jobs London
jobs Greater London
jobs England
Home > Jobs > Banking jobs > Credit risk manager jobs > Credit risk manager jobs in London > Credit Risk Manager

About Jobijoba

  • Career Advice
  • Company Reviews

Search for jobs

  • Jobs by Job Title
  • Jobs by Industry
  • Jobs by Company
  • Jobs by Location
  • Jobs by Keywords

Contact / Partnership

  • Contact
  • Publish your job offers on Jobijoba

Legal notice - Terms of Service - Privacy Policy - Manage my cookies - Accessibility: Not compliant

© 2025 Jobijoba - All Rights Reserved

Apply
Create E-mail Alert
Job alert activated
Saved
Save