Senior Commercial Loss Mitigation Specialist- Global Corporate Credit

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

Go above and beyond at a company that sets the standard for customer-first service.

As a brand built on going above and beyond to provide the best customer experience, having the most exceptional colleagues is paramount. As the face of the company, you can create positive interactions with our customers every day–from curating a unique travel or lifestyle experience to helping them with their everyday needs. And, you can grow your skills through industry-leading training and ongoing coaching, all while learning what it means to continually set the standard for world class, customer-first service. Find your place in service on #TeamAmex.

The Global Commercial Credit (GCC) team vision is to “Provide the World’s Best Credit and Underwriting experience every day”! GCC strives to nurture the right balance between helping Commercial consumers in need by offering a range of financial advocacy services, repayment programs and taking actions to mitigate risk to the company. The GCC Client Financial Solutions team leads portfolio-based Loss Mitigation and collection efforts. We serve as our Risk Mitigation Team, providing our Corporate & Small Business clients with customized payment arrangements.

As a Sr. Commercial Loss Mitigation Specialist, you will counsel & build customized short, or long-term, payment resolutions with high exposure/high risk Corporations/Small Businesses that have outstanding past due balances with American Express. You will govern a portfolio of high exposure Corporate Program and/or Small Business accounts which require tailored workout payment options, structured to fit the consumer’s financial affluency while satisfying American Express’ need to be repaid timely. You will examine client’s financial health, including free cash flow, and ability to establish a mutually rewarding resolution.

How will you make an impact in this role?

• The successful Analyst is a highly organized, deadline driven individual with a passion for understanding the Commercial Consumer's financial standing and background within Commercial Collection and Workout; our Analyst will effectuate customized payment plans, recovering payments directly from the consumer.
• We will conduct in-depth credit risk analysis for intricate Commercial Consumers who have high credit exposure or request high spending capacity. The financial evaluations will focus on the consumer’s creditworthiness, including free cash flow evaluation.
• Understanding of a broad range of industries and their associated risk is essential; will work closely with leadership in the day-to-day operation of the team.
• Analyst will serve as a second voice to Junior Analysts and other duties, as assigned.

Minimum Qualifications:

• The successful applicant is results oriented, demonstrates a passion for service and is resilient under stress with a will to win attitude
• Critical comprehension of Consumer’s ability to pay inclusive of free cash flow analysis
• Extensive analytical and forward-thinking capabilities, with a focus towards purposeful problem solving
• Excellent collaborative, interpersonal communication skills; able to build relationships effectively
• 3+ years of Commercial Collections and/or Workout experience

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.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.

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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