Entry Level Credit Risk Analyst Jobs
New grad credit risk analyst jobs are open to recent graduates and entry level candidates with zero to two years of experience, where a strong internship or portfolio often carries more weight than years on a resume. Most openings are Banking & Financial Services and Investment & Asset Management roles across on-site, hybrid, and remote settings, with employers like JPMorganChase, Airwallex, and Scotiabank hiring at this level now.
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Showing 5 of 7+ Entry Level Credit Risk Analyst jobs
Business Unit/Role Specific Info
Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.
Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk (CFR) division within American Express. The Commercial Rating and Underwriting (CRU) team plays a critical role in assessing and managing the risk of institutional exposures across all business areas of American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and Sydney.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must align with the highest global banking standards set by the bank’s primary regulator, the Federal Reserve.
Minimum Requirements
Currently enrolled in a full-time undergraduate degree program (Bachelors)
Expected graduation date between December 2027 and June 2028
Preferred Requirements
Student working on a bachelor’s degree or substantial coursework in finance, accounting, economics, or statistics a plus
Understanding of fundamental financial analysis including the ability to review corporate financial documents to determine the ability of the obligor to honor its credit requirements
Comfortable with GAAP/IFRS accounting standards, corporate valuation, and forecasting
Comfortable with public agency ratings and supporting analysis
Understanding of current macroeconomic trends and how to provide recommendations to improve the probability of default (PD) estimation based on the business cycle
Experience preparing company-specific and industry-wide credit memorandums
Familiarity with global markets (foreign language ability a plus)
Confident and persuasive written and verbal communicator
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
- Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counselling support through our Healthy Minds program
- Career development and training opportunities
For a full list of Team Amex benefits, visit out Colleague Benefits Site .
Business Unit/Role Specific Info
Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.
Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk (CFR) division within American Express. The Commercial Rating and Underwriting (CRU) team plays a critical role in assessing and managing the risk of institutional exposures across all business areas of American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and Sydney.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must align with the highest global banking standards set by the bank’s primary regulator, the Federal Reserve.
Minimum Requirements
Currently enrolled in a full-time undergraduate degree program (Bachelors)
Expected graduation date between December 2027 and June 2028
Preferred Requirements
Student working on a bachelor’s degree or substantial coursework in finance, accounting, economics, or statistics a plus
Understanding of fundamental financial analysis including the ability to review corporate financial documents to determine the ability of the obligor to honor its credit requirements
Comfortable with GAAP/IFRS accounting standards, corporate valuation, and forecasting
Comfortable with public agency ratings and supporting analysis
Understanding of current macroeconomic trends and how to provide recommendations to improve the probability of default (PD) estimation based on the business cycle
Experience preparing company-specific and industry-wide credit memorandums
Familiarity with global markets (foreign language ability a plus)
Confident and persuasive written and verbal communicator
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
- Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counselling support through our Healthy Minds program
- Career development and training opportunities
For a full list of Team Amex benefits, visit out Colleague Benefits Site .
See All 7 Entry Level Credit Risk Analyst Jobs
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Investment & Asset Management
Entry Level Credit Risk Analyst Jobs: Frequently Asked Questions
How do I get an entry level credit risk analyst job?
Employers hiring at the entry level look for candidates who can demonstrate analytical thinking, comfort with financial data, and familiarity with tools like Excel or SQL. A relevant internship, a finance or economics degree, and any coursework in credit analysis or financial modeling will strengthen your application. Highlighting a project that involved data analysis or risk assessment can set you apart from other candidates.
Which companies hire entry level credit risk analysts?
Companies hiring entry level credit risk analysts right now include JPMorganChase, Airwallex, and Scotiabank, based on current listings on Migrate Mate as of August 2026. Hiring at this level comes from a mix of banks, credit unions, financial services firms, and fintech companies that onboard junior analysts and train them in their internal credit frameworks.
Are there remote entry level credit risk analyst jobs?
Yes, though on-site roles still dominate at the entry level. About 57% of entry level credit risk analyst openings are remote or hybrid as of August 2026, and those positions tend to appear most often at larger financial institutions and fintech companies that have established distributed teams. Checking listings regularly gives you the best shot at catching remote openings as they post.
Are these new grad credit risk analyst jobs?
Yes. These listings include new grad, recent graduate, and junior credit risk analyst roles. A new grad friendly posting typically welcomes candidates with zero to two years of experience and accepts internship work, academic projects, or a portfolio in place of full-time history. Look for postings that mention training programs, analyst rotations, or degree requirements without requiring prior professional experience.
Which industries hire the most entry level credit risk analysts?
Entry Level credit risk analyst roles concentrate in Banking & Financial Services and Investment & Asset Management, based on current listings on Migrate Mate as of August 2026. These sectors drive hiring at the junior level because they continuously need analysts to support lending decisions, monitor credit exposure, and maintain compliance with risk management standards across large and growing portfolios.