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.
The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company’s credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company’s risk appetite.
We are seeking a skilled and detail-oriented professional for credit risk governance who has experience / prior experience as a credit risk examiner / regulator. Responsibilities for this role include governance, reporting & analytics, working with stakeholders across the enterprise, and regulatory & internal audit support.
The incumbent will report to the Director, Global Credit Risk Oversight.
How will you make an impact in this role?
- Governance:
- Identify opportunity areas through gap analysis against regulatory guidance and credit risk examiner handbooks
- Maintain Credit Risk Management Policy
- Maintain credit risk standards, procedures (in collaboration with functional team) and templates (e.g., reports, MEMO etc.)
- Ensure adherence to credit risk board approved plan and findings resolution
- Conduct QC checks on 2LOD review reports
- Reporting & Analytics:
- Support in the creation of the quarterly Credit Risk Memo
- MIS reporting to partner teams (e.g., findings tracker)
- Perform ad-hoc analytics and reporting on credit risk findings (e.g., finding themes etc.)
- Internal Audit, Regulatory, and Enterprise Risk Management (ERM) Support:
- Coordinate with functional team on IAG and regulatory requests
- Coordinate and prepare meeting materials for quarterly interagency meeting
- Matters Requiring Attention (MRA) and regulatory recommendation remediation
- Engage with stakeholders across line of defenses to ensure program consistency with enterprise-wise guidelines and respond to stakeholder inquiries related to risk governance
Minimum Qualifications:
- 2-5 years of experience at a bank regulatory agency (e.g., OCC, Federal Reserve, FDIC) reviewing/examining credit risk practices
- Prior experience as a credit risk examiner, loan portfolio manager, or in closely supporting loan portfolio managers
- Bachelor’s degree in management or science (statistics, engineering, decision science, finance, economics, or closely related fields)
- Strong Microsoft Excel, PowerPoint skills
- Able to demonstrate strong knowledge of credit risk and financial risk management
- Outstanding multi-tasking and project management skills as well as strong teamwork aptitude to work with colleagues and stakeholders across various AXP offices globally
- Extremely high attention to detail, self-starter and enthusiastic attitude
- Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged
- Ability to communicate oversight findings to credit risk peers, business partners, and senior executives
Preferred Qualifications:
- Graduate degree such as M.S. and Ph.D. (in statistics, finance, economics, or closely related fields); or MBA is a plus
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Good communication and interpersonal skills; able to clearly articulate or interpret technical documents, regulatory guidelines, and complex project requirements in a concise manner to various stakeholders
Guardian
Salary Range: $89,250.00 to $150,250.00 annually + bonus + benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.
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
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- 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
hackajob is partnering with American Express to fill this position. Create a profile to be automatically considered for this role—and others that match your experience.
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