You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

American Express has been in existence for 165 years servicing its customers with integrity, trust, security, and quality. Today, these attributes still form the foundation of our American Express brand. American Express colleagues are engaged and have a passion for their work. Our continued success is solely dependent on the talent that we attract to our organization, and the response that our people make to a constantly evolving environment. Every new member of our distributed team has the opportunity to become a participant and not an observer, and by using your outstanding skills and background you can help us deliver superior products and services to our shareholders, customers and colleagues.

Our colleagues enjoy a generous benefits package, retirement programs, along with comprehensive medical, dental and vision plans. Additionally, our career path planning and continuing education will help you achieve your professional goals.

The Global Commercial Credit (GCC) team vision is to “Provide the world’s best credit and underwriting experience every day”. GCC strives to strike the right balance between helping Commercial clients and customers in need through offering a range of financial consultative services, repayment programs and taking actions to mitigate risk to the company. The GCC Client Financial Solutions team handles portfolio-based loss mitigation and collection efforts and serves as a risk mitigation team providing our Corporate & Small Business clients with customized payment solutions.

As a Sr. Commercial Loss Mitigation Specialist, you will partner to build customized short-term payment plans, or long-term workout solutions with high exposure/high risk clients that have an outstanding past due balance. You will handle a portfolio of high exposure Corporate Program and/or Small Business accounts needing specialized workout payment options that are structured to fit the client’s needs and satisfies American Express’ need to be repaid in a timely manner. You will examine client’s financial health, including income, expenses, and profitability, and work to establish a mutually beneficial resolution.

Does this sound like you? If so, we'd love to talk with you!

Responsibilities:

• This position will require a highly organized and deadline driven individual with strong commercial financial statement knowledge and background in commercial loan workout.
• Crafting payment plans and collecting directly from the customers.
• Conducting in-depth credit risk analysis for sophisticated commercial customers who have high credit exposure or request high spending capacity.
• Financial analysis focused on client's ability to pay through financial documents.
• Knowledge of a broad range of industries and the associated risk is critical.
• Working closely with leadership in the day-to-day operation of the team.
• Coaching and providing mentorship to Junior Analysts.

Minimum Qualifications:

• 3+ years of commercial/small business lending/underwriting experience
  • Candidates with mortgage experience only will not be considered
• Excellent business and personal financial statement analysis skills
• Strong analytical thinking, problem solving, negotiation, and decision-making skills
• The successful applicant is results oriented, demonstrates passion, resilience under stress, and a will to win demeanor
• Excellent Communication, Collaboration, Interpersonal, and Relationship building skills.

This position can be based on one of our campuses in Phoenix, AZ., Sunrise, FL., or Sandy, UT. virtually based applicants will also be considered.

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.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position.

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.

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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