Senior Manager, Commercial Credit Review - Utah Staffing : Job Details

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.

The Sr. Manager, Commercial Credit Review, will perform the Commercial Credit Review function within the third line of defense at American Express reporting to the Director of Commercial Credit Review. This position is responsible for delivering end-to-end credit review activities for all commercial portfolios and products. It requires a balance of strong commercial credit acumen, operational execution, and adherence to regulatory expectations for independent credit review functions.

• Execute credit file reviews using defined sampling, scoping, and review methodologies
• Analyze borrower financial condition, repayment capacity, collateral coverage, and other key credit risk factors
• Evaluate the appropriateness and timeliness of internal risk ratings and credit approvals
• Test adherence to credit policies, underwriting standards, and regulatory requirements
• Document workpapers clearly and thoroughly, with sufficient support for findings and conclusions
• Identify and escalate potential credit weaknesses, process gaps, or rating inconsistencies
• Participate in team calibration meetings to ensure consistency of assessment standards and conclusions
• Maintain professional skepticism and independence throughout the review process
• Contribute to issue write-ups and evidence gathering for findings
• Assist with data collection, trend analysis, and dashboard support as needed

• Bachelor's degree in finance, business, economics, or a related field
• Minimum of 5 years of experience in commercial credit risk management, commercial lending, credit review, audit, or other related function.
• Strong familiarity with credit analysis, financial statement analysis, risk assessment methodologies, and regulatory requirements, particularly in commercial lending.
• Comprehensive understanding of industry regulations and best practices in commercial lending and credit risk management.
• Strong analytical skills with the ability to interpret complex financial data and make sound decisions.

Salary Range: $90,000.00 to $165,000.00 annually bonus benefits. The above 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. 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.

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

Job: Risk

Primary Location: US-Utah-Sandy

Schedule: Full-time

Req ID: 25015156