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Analyst, Risk Management - Job Opportunity at American Express

Toronto, Canada
Full-time
Entry-level
Posted: March 15, 2025
Hybrid
USD 75,000 - 95,000 annually plus bonus potential of 10-20%, competitive for entry-level risk positions in major financial centers

Benefits

Comprehensive Healthcare Package - Premium medical, dental, and vision coverage exceeding industry standards
Financial Wellness Programs - Competitive base salary with bonus structure and retirement planning support
Work-Life Integration - Flexible hybrid work arrangements with location-specific options
Health & Wellness Support - On-site wellness centers with medical staff and mental health resources
Professional Development - Extensive training and career advancement opportunities
Parental Benefits - Industry-leading parental leave policies and support

Key Responsibilities

Lead credit risk assessment and underwriting for institutional exposures across global business units
Conduct thorough financial analysis of corporate entities to determine credit worthiness and risk profiles
Develop and maintain internal credit rating models aligned with Basel standards
Evaluate program structures and relationship profitability for strategic decision-making
Monitor and analyze macroeconomic trends to refine probability of default estimations
Prepare comprehensive credit memorandums incorporating industry-wide analysis

Requirements

Education

Bachelor's degree in Finance, Economics, Accounting, Statistics, or other quantitative subjects

Experience

0-5 years work experience in credit analysis or related field

Required Skills

Fundamental financial analysis GAAP/IFRS accounting standards Corporate valuation Financial forecasting Public agency ratings analysis Macroeconomic analysis Credit memorandum preparation Global markets knowledge Bi-lingual French speaking ability

Certifications

CFA (preferred) FRM (preferred)
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Sauge AI Market Intelligence

Industry Trends

Financial institutions are increasingly focusing on advanced risk analytics and AI-driven credit assessment models, creating high demand for quantitative risk analysts Regulatory requirements for bank holding companies are becoming more stringent, particularly around climate risk and ESG considerations The shift towards digital payments and fintech partnerships is creating new types of credit risk that require innovative assessment approaches

Role Significance

Typically part of a 10-15 person regional team within a larger global risk management organization of 100+ professionals
Entry to mid-level position with significant exposure to senior risk management decisions and institutional client relationships

Key Projects

Development and validation of internal rating models for corporate clients Implementation of Basel III compliance frameworks Strategic assessment of new market entry risks Portfolio stress testing and scenario analysis

Success Factors

Strong quantitative analysis capabilities combined with business acumen Ability to synthesize complex financial data into actionable insights Understanding of global regulatory frameworks and their practical applications Excellent communication skills for presenting risk assessments to stakeholders

Market Demand

Very high with growing emphasis on quantitative skills and regulatory knowledge. Risk management roles are seeing increased demand due to economic uncertainty and evolving financial landscapes.

Important Skills

Critical Skills

Quantitative analysis skills are fundamental for risk modeling and assessment Financial statement analysis capabilities are essential for credit evaluation Understanding of regulatory frameworks is crucial for Basel compliance

Beneficial Skills

Programming skills for risk model development Knowledge of emerging risk types (cyber, climate) Project management capabilities Advanced data visualization skills

Unique Aspects

Global exposure through international team structure
Direct involvement in high-impact credit decisions
Access to one of the world's largest financial data sets
Strong emphasis on professional development and internal mobility

Career Growth

2-3 years in current role before advancement, with potential for accelerated growth based on performance and market conditions

Potential Next Roles

Senior Risk Analyst Risk Manager Credit Portfolio Manager Risk Director

Company Overview

American Express

American Express is a global leader in payment services and risk management, known for innovation in financial products and services

Top-tier financial services provider with strong market position and reputation for risk management excellence
Significant presence in Toronto as a major North American financial hub, with strong connections to global operations
Professional environment with emphasis on collaboration, innovation, and professional development, backed by strong corporate values and diversity initiatives
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