American Express
American Express

60 American Express Credit Analyst Jobs Hiring Near You

American Express Travel Related Services Company, Inc. seeks Managers, Finance to construct ... credit card industry; conducting economic analysis in the credit card industry; and using DAX ...

Managers, Finance

Manhattan, NY · On-site

$118.25K - $150.25K/yr

... American Express. Perform ad-hoc analyses that will be shared with the CFO, senior management, and ... in the credit card industry; and using DAX Queries, Excel, Hive, Machine Learning Studio ...

At American Express, our culture is built on a 175-year history of innovation, shared values and ... analysis, issues and control recommendations with transparency and integrity. * Excellent ...

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American Express Jobs Information

What are the key skills and qualifications needed to thrive as a Credit Analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a Credit Analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What does a Credit Analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

What is it like to work at American Express?

American Express is known for its customer-centric culture, prioritizing innovation and collaboration to deliver exceptional experiences. The company's global workforce is organized into diverse teams, working in modern offices with flexible workspaces, and is driven by a mission to help people realize their dreams and ambitions. Working at American Express may appeal to candidates who value a dynamic work environment, opportunities for professional growth, and the chance to make a meaningful impact on people's lives.

Do workers at American Express get paid breaks?

Sometimes. Only some people get paid breaks.
36% of people say they don’t get paid breaks.
Based on data from 25 people who took the Breakroom Quiz between November 2024 and February 2026.

Does American Express pay people when they’re sick?

Yes. Most people get paid when they’re sick.
87% of people say they would get paid if they were sick but scheduled to work.
Based on data from 30 people who took the Breakroom Quiz between November 2024 and February 2026.

At American Express, are sick days and vacation days separate paid time off?

Sick days and vacation days are separate paid time off.
92% of people say they don’t have to use vacation days when they’re out sick.
Based on data from 12 people who took the Breakroom Quiz between May 2025 and February 2026.

Is the health insurance from American Express affordable enough for their workers?

Most people say the health insurance costs are okay.
100% of people say the health insurance costs are okay
Based on data from 18 people who took the Breakroom Quiz between April 2025 and February 2026.

Do people get paid time off at American Express?

Most people get paid time off work.
81% of people say they get paid time off.
Based on data from 16 people who took the Breakroom Quiz between May 2025 and February 2026.

Do workers at American Express worry about hours?

Most people don’t worry about getting enough hours.
100% of people report they don’t worry about getting enough hours.
Based on data from 21 people who took the Breakroom Quiz between November 2024 and January 2026.

Do American Express workers get to choose the shifts they work?

Some people don’t get to choose which shifts they work.
59% report that they don’t have enough control over which shifts they work.
Based on data from 17 people who took the Breakroom Quiz between November 2024 and July 2025.

How easy is it for American Express workers to change shifts?

Some people find it hard to change shifts.
60% of people report that it’s hard to change shifts if they need to.
Based on data from 15 people who took the Breakroom Quiz between December 2024 and January 2026.

How easy is it to get time off at American Express?

Most people find it easy to get time off.
76% of people report it’s easy to get time off.
Based on data from 29 people who took the Breakroom Quiz between November 2024 and February 2026.

Do American Express managers change schedules at the last minute?

Most managers don’t change people’s schedules at the last minute.
86% of people say their manager doesn’t change their shift schedule at the last minute.
Based on data from 22 people who took the Breakroom Quiz between November 2024 and January 2026.

Do workers at American Express do extra work that they don't get paid for?

Rarely. Most people don’t do unpaid extra work.
77% of people report that they don’t do extra unpaid work.
Based on data from 22 people who took the Breakroom Quiz between November 2024 and January 2026.

How easy is it to take sick days at American Express?

Most people find it easy to take sick days.
100% of people report that it’s easy to take time off if they are sick.
Based on data from 33 people who took the Breakroom Quiz between November 2024 and February 2026.

Is working at American Express good if you’re a parent or caregiver?

Most parents and caregivers say this is a good place to work.
73% of people who care for a child or other relative report this is a good place to work.
Based on data from 15 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people at American Express feel treated with respect by their managers?

Most people feel treated with respect by their managers.
90% of people say they’re treated with respect by their managers.
Based on data from 31 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people at American Express get to take their breaks without interruption?

Most people get breaks without interruption.
74% of people report that they get to take their breaks without interruption.
Based on data from 31 people who took the Breakroom Quiz between November 2024 and February 2026.

Is it stressful to work at American Express?

Some people feel stressed out here.
66% of people say they often feel stressed out at work.
Based on data from 32 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people at American Express enjoy their jobs?

Only some people enjoy their job.
35% of people report they don’t enjoy their job.
Based on data from 31 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people at American Express recommend working with their team?

Only some people recommend working with their team.
45% of people report that they wouldn’t recommend working with their immediate team to a friend.
Based on data from 33 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people get enough training when they start at American Express?

Most people got enough training when they started.
82% of people report they got enough training when they started working here.
Based on data from 33 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people get support to advance at American Express?

Only some people are given support to advance their career here.
In the last year, 43% of people report not being given support to advance their career here.
Based on data from 28 people who took the Breakroom Quiz between November 2024 and February 2026.

Do people think American Express’s headquarters understands what’s happening where they work?

Some people think headquarters doesn’t understand what’s happening where they work.
63% of people think that this employer’s headquarters or owners don’t have a good understanding of what’s really happening where they work.
Based on data from 30 people who took the Breakroom Quiz between November 2024 and February 2026.

Do workers feel well informed about how American Express is doing?

Most people feel well informed about how the company is doing.
75% of people feel that they are kept well informed about how the company is doing as a whole.
Based on data from 32 people who took the Breakroom Quiz between November 2024 and February 2026.
Infographic showing various Credit Analyst job openings at American Express in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 86% Physical, 10% Hybrid, and 4% Remote job distribution.
Senior Analyst - Risk Management

Senior Analyst - Risk Management

American Express

New York, NY • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

This job post has expired today. Applications are no longer accepted.


American Express rating

8.5

Company rating: 8.5 out of 10

Based on 33 frontline employees who took The Breakroom Quiz

27th of 138 rated financial services


Job description

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you're finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

The Enterprise Data Strategy (EDS) team within Credit & Fraud Risk has the responsibility to evaluate and rationalize Credit bureau and other external data to address business problem statement, improve risk decisions and customer experiences across the credit and fraud lifecycles. 

The TRM COE team within EDS is responsible for AEMP 10 compliance for global strategic vendors that EDS directly manages. The TRM COE Sr. Analyst role will be responsible for Third-Party Lifecycle Management (TLM) for EDS managed strategic, critical data partners. They will collaborate with the data partners (vendors), Enterprise TLM, GSM (Procurement), GCO & CFR Control Management/ Operational Excellence teams to manage compliance with AEMP 10 for existing and new vendor contracts and identify process improvement opportunities, drive process enhancements & prevention strategies to strengthen the control environment.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our 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.

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 out 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 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.

US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.


The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
  • 2+ years of experience in a financial services organization in Third-party risk management 
  • Bachelor's Degree preferred in Project Management, Business Analytics, Strategic Problem Solving
  • Knowledge of third-party risk management requirements
  • Clear, effective written and oral communication skills and ability to influence across all levels of the organization and strong organizational, prioritization and collaboration skills.
  • Demonstrated ability to work independently and across a matrixed organization to deliver solutions at top speed
  • Adaptable interpersonal skills, high energy, and a proven team-first mentality

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

Responsibilities:

AEMP 10 Compliance

Drive Third Party Lifecycle Management, adherence to Regulatory guidelines, Contract Terms & Conditions and Information Security assessments:

  • Support TLM for data evaluations and contract execution
  • On-going AEMP 10-required monitoring
  • Manage Vendor Scorecards, SLA performance metrics to drive vendor accountability
  • Third Party Security Maintenance Assessments
  • Exit & replacement strategy
  • Support foundational vendor changes, drive automation and efficiency for AEMP 10 requirements related to vendor quarterly ongoing monitoring. information security and enhanced rigor on 4th party management.
  • Ensure effective/compliant management of multiple third-party relationships
  • Fortify foundation by ensuring permissible use & service level agreements are established, work orders or agreements meet standard, in effective collaboration with Procurement & Supply Management, Operational Excellence, Controllership & GCO.  
  • Develop and maintain a product catalogue by collaborating with key stakeholders in data strategy and TLM to ensure accuracy and support business objectives and resiliency

  • Enhance operational efficiency, reduce manual checkpoints, and promote scalability across EDS vendors by advancing automation of vendor tools and knowledge hubs (SharePoint)


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