Financial Analyst
2 weeks ago
Are you a detail-oriented professional with a passion for finance and analysis? Do you enjoy working in a fast-paced environment where no two days are the same? Look no further As a Financial Analyst in our Commercial Rating and Underwriting team, you will play a critical role in assessing and managing the risk of institutional exposures across all business units with American Express.
About the RoleThis is an exciting opportunity to join a global and diverse community of colleagues who are passionate about delivering exceptional customer experiences. As a Financial Analyst, you will be responsible for rating and underwriting credit exposures for the Japan market, requiring fluency in Japanese and strong analytical skills.
Key Responsibilities- Rating and underwriting credit exposures for the Japan market, including reviewing corporate financial statements and determining the ability of obligors to honor their credit obligations
- Performing fundamental analysis incorporating a thorough review of business, financials, industry, and country risks, coupled with support from internal and external rating model outputs
- Interacting with various teams across the firm, including front office sales, business unit risk partners, and credit administration to perform critical roles
To succeed in this role, you will need:
- Experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business to middle-market to large, multinationals
- Strong understanding of fundamental financial analysis, including GAAP/IFRS accounting standards, corporate valuation, and forecasting
- Familiarity with quantitative credit models and knowledge of how to interpret outputs and deviation rationales
- Comfort with public agency ratings and supporting analysis
- Understanding of current macroeconomic trends and ability to provide recommendations to improve PD estimation based on the business cycle
We offer a comprehensive benefits package, including:
- Competitive base salaries
- Bonus incentives
- Support for financial well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite, or virtual arrangements depending on role and business need
- Generous paid parental leave policies
- Free access to global on-site wellness centers staffed with nurses and doctors
- Free and confidential counseling support through our Healthy Minds program
- Career development and training opportunities
At American Express, we value diversity and inclusion, offering a collaborative work environment where everyone has the opportunity to contribute and grow. We prioritize the holistic well-being of our colleagues and their loved ones through each stage of life. Join us and be part of a global community that strives to uphold its values and powerful backing promise to deliver the world's best customer experience every day.
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