**Description** 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. **How will you make an impact in this role?** The Analyst - Credit is responsible for managing consumer and small business lending and charge accounts and making prudent financial decisions on accounts that are both past due and current. This means understanding how and when to proactively collect and enable spend, all while providing an exceptional customer experience. Credit Analyst understands that helping our Cardmembers is at the heart of our business and its operations. An essential part of the job will be offering solutions based on the cardmembers needs and acquiring the necessary information. You will also contact cardmembers with the goal of recommending increased spending on low risk accounts or negotiating immediate payments as necessary on high risk accounts. You may also play a role in assisting your colleagues in other departments as they deliver high quality service. At times, this position requires working with valued customers who are upset and not cooperative. You will use your skills and expertise to leave a lasting, positive impression. **Qualifications:** + Previous credit experience is an asset. + Effective decision-making capability. + Customer-centric focus, with the ability to have detailed, influential financial conversations. + Demonstrated ability to work with little supervision and strong team work. + Superior oral and written communication skills; must be able to multi-task. + Demonstrate empathy and sensitivity while maintaining professionalism, in complex and difficult customer relationships. + Broad range knowledge of Operations, general business knowledge and good understanding of Banking Compliance guidelines. + Strong PC skills. + Ability to handle multiple demands and competing priorities. + Flexibility in schedule is a must and adaptable. + Bilingual (French/English) is an asset. Service schedule: We are open from 8am to 9pm, Monday to Saturday EST. Shifts could vary within these hours (Monday to Saturday). **Qualifications** Hiring Range: $47,000 to $71,000 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. The job posting is for an existing vacancy. 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 + Support for financial-well-being and retirement + Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + Generous paid parental leave policies (depending on your location) + 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 American Express is committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”). If you have a disability and need accommodation, please speak with the Recruiter for more information. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. **Job:** Credit **Primary Location:** Canada-Ontario-Toronto **Schedule** Full-time **Req ID:** 26000859