Underwriting Analyst

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.

How will you make an impact in this role?

Underwriting Consulting Service Analyst 

The role of the Underwriting Consulting Service Analyst will sit in the Global Commercial Credit (GCC) organization. GCC is comprised of Underwriting Servicing, Corporate Credit and Merchant Risk Operations functions operating across 14 locations with 850 colleagues around the globe. The GCC team vision is to “Provide the world’s best credit and underwriting experience every day”. GCC aims to strike the right balance between helping Corporate/Business clients and Consumer customers in need through offering a range of financial advisory services, spend enablement, or limit exposure through effective risk mitigation, to prevent spending that will not be paid back – while building upon the customer’s relationship with American Express. You can grow your skills through industry-leading training and ongoing coaching, all while learning what it means to continually set the standard for world class, customer-first service. As a brand built on going above and beyond to provide the best customer experience, having the most exceptional colleagues is paramount. As the voice of the company, you can create positive interactions with our customers every day.  

 Roles & Responsibilities 

• Deliver world-class customer experience, whilst being responsible for communicating Underwriting decision and explaining how financial and internal history support line decision for both Consumer and Commercial accounts 

• Manage an existing portfolio of Consumer and Commercial customers with accountability for managing relationship, requesting updated financial information, and making a recommendation based on financial performance and risk policies 

• Responsible for analyzing customer accounts by leveraging Amex program attributes, performance, credit bureau information, financial and bank statement analysis  

• Act in a consultative manner with internal and external Amex customers 

• Meet and exceed quality goals, compliance regulations, implement decision with appropriate in-house support and productivity targets 

• Keep an accurate and robust record of all cases completed and outcomes  

• Demonstrate high level of accuracy and thoroughness in implementing Underwriting decisions 

• Prioritize and adapt to an ever-changing environment 

• Demonstrate personal excellence by remaining positive in difficult situations 

• Display a passion to serve by delivering outstanding service in every interaction with our customers 

Minimum Qualifications:

• 1-3 Years of Credit or Underwriting experience required  

• Strong working knowledge of American Express Consumer, Small Business, and Corporate portfolios is desired  

• Excellent active listening, consultation, influencing and resourcefulness skills 

• Strong communication skills are necessary to be able to deliver adverse messages to customers  

• Critical, analytical, and forward thinking with problem-solving skills, and strong attention to detail 

• Proficient in handling multiple demands and the ability to move quickly and efficiently between varying account types and work streams  

• Resolve complex problems in an ambiguous environment  

• Ability to communicate effectively at all levels of leadership and cultivate great working relationship with business partners  

• Candidate must demonstrate ability to work in a cohesive team environment  

• Strong interpersonal, communication, verbal, and written skills 

Salary Range: $24.05 to $48.10 hourly + bonus + benefits

The above represents the expected hourly pay 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.