Credit Analyst

Posted: 1 year ago

Employer: American Express
4.57
average rating from total 7 votes

  • Category:

    Finance and Management

  • Salary per year:

    $54000 - $136200

  • Time:

    full-time

  • Location:

    Bangkok, Bangkok, Thailand

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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.