NYC Staffing
Director-Risk Management, Commercial Rating and Underwriting
NYC Staffing, New York, New York, United States, 10001
Risk Opportunity
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, and your work makes an impact on our customers and our business. Together, you will help us define the future of American Express. Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk Management (CFR) division and supports the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of large institutional exposures across all business units within American Express, and in all regions globally. Key responsibilities include overseeing managers who rate and underwrite 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 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. Minimum qualifications include a bachelor's degree in finance, accounting, economics, or statistics, minimum seven years' experience rating and/or underwriting at a leading financial institution or rating agency, expertise as a credit and underwriting decision maker dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions, and thorough 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. Salary range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) benefits. 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.
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, and your work makes an impact on our customers and our business. Together, you will help us define the future of American Express. Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk Management (CFR) division and supports the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of large institutional exposures across all business units within American Express, and in all regions globally. Key responsibilities include overseeing managers who rate and underwrite 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 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. Minimum qualifications include a bachelor's degree in finance, accounting, economics, or statistics, minimum seven years' experience rating and/or underwriting at a leading financial institution or rating agency, expertise as a credit and underwriting decision maker dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions, and thorough 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. Salary range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) benefits. 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.