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American Express Underwriting Analyst I in Phoenix, Arizona

Description

Effectively manage

proactive and reactive Global Commercial Payments (GCP) and Global Merchant

Services (GMS) underwriting workflows to maximize profitability and mitigate

risk. High degree of accountability to process

cases efficiently. Effectively apply accounting acumen and financial expertise

to review new GCP and GMS program applications. Responsible for analyzing

client information by leveraging Amex program attributes, performance, credit

bureau information, industry and detailed financial statement analysis. Responsible

for familiarity with complex organization structure for commercial clients. Accountable

for working severe risk cases including but not limited to Dun and Bradstreet

alerts. Utilize multiple internal databases and external internet sites in

gathering all relevant information when processing an underwriting case. Demonstrate

high level of accuracy and thoroughness in implementing Underwriting decisions. Act in

a consultative manner with internal and external customers of American express. Manage

an existing portfolio of Commercial card and Merchant clients with

accountability for managing customer relationship, requesting updated financial

information and making a credit decision based on internal and external data.

Ensure quality, regulatory requirements and compliance is embedded in all

processes.

Qualifications

  • Solid leadership, customerservice and time management skills

  • The applicant needs to be ananalytical thinker, problem solver, and decision maker

  • The successful candidatewill be highly analytical with underwriting experience, which includes agood understanding of commercial income statements, balance sheets, cashflow statements

  • Demonstrate excellent judgmentin making sound credit decisions in order to mitigate risk

  • Ability to apply accountingprinciples in the interpretation of commercial financial statements

  • Ability to analyze largequantities of historical and new information, identify trending and managein an ever-changing environment

  • Aptitude to review a commercialclient’s current Risk profile along with probability of default measuresto ensure proper risk mitigation action is taken on a program

  • A high level of analyticalskill to assess and evaluate client’s program including thoroughunderstanding of industry and publicly available financial data

  • Excel in verbal and nonverbalcommunication

  • Ability to demonstrateexcellent relationship management and collaboration skills with Sales,Account Development and Risk business units

  • Proficient in handling multipledemands

  • Ability to communicateeffectively with senior level executives within a client’s organizationand cultivate great working relationship with new and current customers

  • Determination of risk involvedand recommendation of credit limitations

  • Must be a self-starter and havedemonstrated ability to support multiple functions and work in a cohesiveteam environment with minimal supervision

  • Strong communication experiencenecessary to be able to deliver adverse messages to customers and clients

  • 1-2 years’ experience utilizingMicrosoft Office, Internet, and related computer skills

Employment

eligibility to work with American Express in the U.S. is required as the

company will not pursue visa sponsorship for this position.

Job: Finance

Primary Location: US-Arizona-Phoenix

Schedule Full-time

Req ID: 20006595

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.

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