Entry Level Credit Risk Manager Jobs
New grad credit risk manager jobs welcome recent graduates and entry level candidates with zero to two years of experience, where strong internship work or a portfolio of financial analysis projects can matter more than a long resume. Most openings are on-site roles across Banking & Financial Services and Investment & Asset Management, with employers like JPMorganChase, Airwallex, and Scotiabank hiring at this level now.
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Showing 5 of 7+ Entry Level Credit Risk Manager 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 Manager Jobs
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Investment & Asset Management
Entry Level Credit Risk Manager Jobs: Frequently Asked Questions
How do I get an entry level credit risk manager job?
Entry level credit risk manager roles typically look for candidates with a degree in finance, economics, accounting, or a related field, plus demonstrated analytical ability. Internship experience in lending, banking, or financial analysis gives a strong edge. Familiarity with credit evaluation concepts, Excel modeling, and risk frameworks like probability of default helps candidates stand out at this stage even without years of full-time experience.
Which companies hire entry level credit risk managers?
Companies hiring entry level credit risk managers 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 commercial banks, credit unions, fintech lenders, and financial services firms that build analyst pipelines through entry level and junior credit roles.
Are there remote entry level credit risk manager jobs?
Yes, though most entry level roles lean on-site for training and mentorship reasons. About 57% of entry level credit risk manager openings are remote or hybrid as of August 2026, so candidates open to hybrid arrangements will find the widest selection of opportunities across the country.
Are these new grad credit risk manager jobs?
Yes. This page includes new grad, recent graduate, and junior credit risk manager roles alongside other entry level postings. A new grad friendly posting typically welcomes zero to two years of experience, counts internships or co-ops toward that threshold, and does not require prior full-time credit risk work. A strong academic project or internship in lending or financial analysis is often enough to apply.
Which industries hire the most entry level credit risk managers?
Entry Level credit risk manager 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 this level because they carry large consumer or commercial loan portfolios that require dedicated analyst support to assess, monitor, and report on credit exposure.