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American Express Sr. Commercial Loss Mitigation Specialist in Helena, Montana


At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way.

When you join Team Amex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. Here, you’ll learn and grow as we champion your meaningful career journey with programs, benefits, and flexibility to back you personally and professionally. Every colleague shares in the company’s success.

Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to our customers, communities, and each other every day. And, we’ll do it with integrity and in an environment where everyone is seen, heard and feels like they truly belong.

Join #TeamAmex and let’s lead the way together.

The Global Commercial Credit (GCC) team vision is to “Provide the world’s best credit and underwriting experience every day”. GCC aims to strike the right balance between helping Commercial clients and customers in need through offering a range of financial advisory services, repayment programs and taking actions to mitigate risk to the company. The GCC Client Financial Solutions team manages portfolio-based loss mitigation and collection efforts and serves as a risk mitigation team providing our Corporate & Small Business clients with customized payment solutions.

As a Sr. Commercial Loss Mitigation Specialist , you will negotiate customized short-term payment resolution or long-term workout solutions with high exposure/high risk Corporations/Small Businesses that have an outstanding past due balance with American Express. You will manage a portfolio of high exposure Corporate Program and or Small Business accounts needing specialized workout payment options that are structured to fit the client’s ability to pay and satisfies American Express’ need to be repaid timely. You will examine client’s financial health, including income, expenses, and profitability, and work to establish a mutually beneficial resolution.


  • This position will require a highly organized and deadline driven individual with strong commercial financial statement knowledge and background in commercial loan workout. Incumbent will be responsible for negotiating payment plans and collecting directly from the customers.

  • Incumbent will be responsible for conducting in-depth credit risk analysis for complex small and mid-sized business customers who have high credit exposure or request high spending capacity. Financial analysis will focus on the client’s ability to pay, including Accounts Receivable aging and financial statements review. Knowledge of a wide range of industries and the associated risk is critical. Will work closely with leadership in the day-to-day operation of the team.

  • Incumbent will be responsible for coaching and providing mentorship to Junior Analysts.

Minimum Qualifications:

  • 3 years of commercial/small business lending/underwriting experience

  • Excellent business and personal financial statement analysis skills

  • Strong analytical thinking, problem solving, negotiation, and decision-making skills

  • The successful applicant is results oriented, demonstrates enthusiasm, resilience under stress, and a will to win attitude

  • Excellent Communication, Collaboration, Interpersonal, and Relationship building skills.

This position can be based anywhere in the United States.


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.

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 U.S. is required as the company will not pursue visa sponsorship for this position.

Salary Range: $24.05 to $48.10 hourly bonus benefits

The above represents the expected hourly pay range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.

Job: Finance

Primary Location: United States

Other Locations: US-Arizona-Phoenix, US-Utah-Sandy, US-Florida-Sunrise

Schedule Full-time

Req ID: 22029080