Risk Management Analyst

American Express

. Rate and underwrite credit exposures in the assigned region, industry, and business line .

Posted 10/8/2026full-timeSandy • Utah • United StatesMid-LevelSenior💰 $65,500 - $102,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis, including fundamental financial analysis, corporate valuation, and macroeconomic trend assessment. Proficient in preparing credit memorandums and utilizing GAAP/IFRS standards to evaluate credit exposures.

Highest-signal resume keywords

Credit AnalysisFundamental Financial AnalysisGAAP/IFRS Accounting StandardsMacroeconomic Trend AssessmentCFA or FRM Certification

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingFinancial Statement ReviewCorporate ValuationForecastingProbability of Default EstimationCredit Memorandum PreparationQuantitative AnalysisRisk AssessmentBusiness Cycle AnalysisIndustry Analysis

Certifications & Qualifications

CFAFRM

Industry Keywords

Credit ExposureRelationship ProfitabilityPublic Agency RatingsGlobal MarketsQuantitative Fields

About the role

Key responsibilities & impact

Rate and underwrite credit exposures in the assigned region, industry, and business line
Conduct fundamental analysis of business, financial, industry, and country risk
Use internal and external rating model outputs to support assessments
Assess the need for credit extension, relationship profitability, and program structures

Requirements

What you’ll need

Bachelor’s degree in Finance, Economics, Accounting, Statistics, or other quantitative subjects/fields of study
Candidates with other majors who have a strong desire to work in credit analysis are also encouraged to apply
0-5 years work experience in credit analysis or a related field
Understanding of fundamental financial analysis, including reviewing corporate financial statements to determine an obligor’s ability to honor credit obligations
Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting
Comfort with public agency ratings and supporting analysis
Understanding of current macroeconomic trends and ability to provide recommendations to improve probability of default (PD) estimation based on the business cycle
Experience preparing company-specific and industry-wide credit memorandums
Familiarity with global markets
Employment eligibility to work with American Express in the United States is required; the company will not pursue visa sponsorship
MBA or Masters in Finance, Economics, or other quantitative fields preferred
Relevant certifications such as CFA and FRM are a plus

Benefits

Comp & perks

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