Director - Commercial Credit Review - job 2 of 4

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.

About the Role: 

The Director, Commercial Credit Review, will lead the Commercial Credit Review function within the third line of defense at American Express – reporting to the Vice President of Commercial Credit Review. This leader will be responsible for delivering end-to-end credit review activities for all commercial portfolios and products. This role requires a balance of strong commercial credit acumen, operational leadership, and adherence to regulatory expectations for independent credit review functions. 

Key Responsibilities

• Support the Vice President, Commercial Credit Review in executing credit review activities aligned to plan and scope
• Lead day-to-day review execution for assigned portfolios or projects, including scoping, file selection, and timeline management
• Supervise and coach a team of experienced credit professionals; provide guidance on methodology, issue identification, and escalation protocols
• Perform secondary reviews of workpapers to ensure completeness, quality, and adherence to standards
• Review credit files and perform risk assessments to evaluate the appropriateness of risk ratings, underwriting quality, and compliance with internal credit policies
• Identify credit quality weaknesses, emerging risks, and process gaps; formulate recommendations for improvement
• Assist in the drafting of issue summaries and reports; review findings with stakeholders and facilitate initial response discussions
• Participate in refinement of sampling strategies and review methodology based on portfolio trends and risk focus
• Support validation of issue remediation and documentation closure
•  Act as a liaison to internal stakeholders within the business or second line for specific review segments

Minimum Qualifications

• Bachelor’s degree in finance, business, economics, or a related field 
• Minimum of 7 years of experience in commercial credit risk management, commercial lending, credit review, audit, or other related function.
• Deep expertise of credit analysis, financial statement analysis, risk assessment methodologies, and regulatory requirements, particularly in commercial lending.
• Proven ability to build, develop, and lead high-performing teams to deliver independent credit assessments.
• 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: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + 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.

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