Analyst, Credit

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 Commercial Credit Specialist is responsible for collecting monies owed Amex on corporate accounts ranging from small companies to large global enterprises.An essential part of the job will be offering payment solutions based on the customer’s filing their expense reports and the cash flow availability of the business to help clear the delinquency on the account.Excellent communication skills are a must with the goal of negotiating immediate payments on accounts to reduce and prevent credit losses.Make Quality decisions on all Cases leveraging a variety of tools and strategies.At times you may be required to convey difficult and unfavorable decision messages such as declining requests to extend credit or severing the Amex relationship.Collaboration and building effective relationships at all levels in the collection cycle is a daily occurrence.Daily inventory will be assigned through a Dialer campaign which will flex you to the point where you will be required to handle both incoming and outgoing calls for credit related matters.You will use your skills and expertise to leave a lasting, positive impression.  Additionally, you will be expected to meet performance standards and quality goals. The hours for this role will be 11am-7pm - Monday to Friday.QualificationsExcellent consultation, persuasion and negotiation skills---phone presence with call centre experience.Proven ability to speak clearly and express self well in one-to-one conversation demonstrating superior/excellent verbal communication skills. Must be able to communicate clearly in English as you converse and engage in complex conversations.Previous credit experience is an asset.Daily inventory will be assigned through a Credit Dialer which will flex you to the point where you will be required to handle incoming and outgoing calls for credit related matters.Keen attention to detail is required when handling complex account information by using analytical thinking and account level research along with the ability to perform basic math functions so that you can identify solutions to close gaps.Demonstrated computer skills, with experience working in a multi-pane Windows environment.Must have the ability and desire to meet monthly goals and have good interpersonal skills that make you a team player. 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 opportunitiesAmerican 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.