Credit Analyst

Job Description

American Express is seeking a Credit Analyst to join our team in evaluating and assessing the creditworthiness of new and existing clients. This position will involve detailed financial analysis, reporting, and collaboration with cross-functional teams to ensure timely and data-driven decisions.

Duties and Work Process

- Analyze and interpret financial statements to determine credit risk for new applications and reviews of existing accounts.
- Communicate findings, recommendations, and justifications to stakeholders such as Finance, Risk Management, and Sales teams.
- Collaborate with underwriters, relationship managers, and other internal partners to ensure prompt and accurate credit decisions.
- Prepare reports summarizing key credit metrics, trends, and portfolio performance.
- Monitor delinquency, default, and exposure levels, suggesting improvements or revisions of credit policies as necessary.
- Maintain strict compliance with both internal credit policies and external regulatory requirements.

Necessary Skills and Qualifications

- Strong analytical skills, specifically in interpreting complex financial data.
- Proficiency in Excel and other data-processing tools.
- Solid understanding of credit risk assessment, credit scoring models, and financial statement analysis.
- Excellent written and verbal communication skills for relaying credit decisions and insights.
- Keen attention to detail, ensuring accuracy and reliability in credit evaluations.

Work Experience Requirements

- Minimum of 2+ years in a credit analysis, risk management, or similar role.
- Experience in a financial services or banking environment is strongly preferred.
- Proven track record of identifying and mitigating credit risks in diverse portfolios.

Education Requirements

- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Master’s degree is a plus but not required.

Benefits of Cooperation with the Company

- Competitive healthcare coverage (medical, dental, vision) for full-time employees.
- Generous 401(k) plan with matching contributions.
- Performance-based bonuses and incentives.
- Access to continuous professional development and leadership training programs.
- Inclusive workplace culture that encourages innovation and recognizes individual contributions.