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Job ID: 26013624Posted: 2026-10-30Location: LONDON, LONDON, United Kingdom; BRIGHTON, EAST SUSSEX, United KingdomJob Function: UnclassSchedule: Full timeShift: DayWorkplace: HybridCareer Area: Analytics & Risk ManagementCompany: American ExpressDescriptionCredit 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 & Fraud Risk division and forms a key component of the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also provides underwriting (i.e. approval and limit sizing) for wholesale card and lending products. As a bank holding company, American Express must comply with the highest global banking standards.ResponsibilitiesPortfolio Managers in CRU are responsible for assessing and monitoring credit risk across a portfolio of large exposures in their assigned region, industry, and business line. The ultimate objective is to help minimize the risk of loss and support internal stakeholders in driving profitable growth of our corporate business. For large exposures, credit assessment is via fundamental credit analysis and incorporates a thorough review of business, its financial statements, calculation and interpretation of key credit metrics and ratios, industry and country risk, as well as consideration of signals from internal and external rating model outputs. Portfolio Managers additionally underwrite larger credit programs across our commercial services business, requiring an understanding of the need for and appropriateness of credit extension, profitability of a relationship and program structures. CRU Portfolio Managers interact with various constituents across the firm including front office sales, second line of defense, business unit risk partners, and credit administration to perform their critical role.Portfolio Managers are also responsible for providing secondary review of decisions relating to smaller exposures in their area of expertise, as well as providing guidance and mentoring to CRU Analysts.Portfolio Managers are also required to stay up to date with general corporate development and market sentiment, and be able to speak and write confidently on the outlook for the industries and markets in their area of responsibility.QualificationsAt least 3-5 years’ experience conducting credit analysis at a leading financial institution or rating agency. Mandatory German / French language fluency.Experience in commercial credit assessment and/or underwriting with the ability to underwrite and make decisions/ recommendations on short term credit lines, determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.Knowledge of analyzing the outputs from credit models, and identifying any rationale for any deviation found.Knowledge of public agency ratings, and supporting analysis.Ability to understand current macroeconomic trends, and making respective sound recommendations to improve the PD estimation based on the business cycle.Ability to communicate succinct rationales for credit decisions both written and orally, including to audiences with a non-financial background.Desirable: CFA or another professional qualification in finance, accounting or economics.Desirable: Experience analyzing a range of industries in Europe.Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions. About the TeamAt 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.

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MERITUS are recruiting for a Buildings and Construction Buyer to join our client within the aerospace sector on a contract running until 30 July 2027 from their site in Broughton. The role offers hybrid working, with a minimum of three days per week onsite and Tuesday and Thursday mandatory. Candidates will be required to complete BPSS+ clearance through the client. BUILDINGS & CONSTRUCTION BUYER - INSIDE IR35 - UP TO £44.00 PER HOUR UMBRELLA / £32.89 PER HOUR PAYE - BROUGHTON - CONTRACT UNTIL 30 JULY 2027 - 3 DAYS PER WEEK ONSITE - BPSS+ CLEARANCE - ONE STAGE INTERVIEW - SECTOR: AEROSPACE / CONSTRUCTION This is a full-time position working 35 hours per week across 4.5 days, with working hours between 7am and 7pm as agreed with the business. There may be limited travel to other UK sites. The Buildings and Construction Buyer will support procurement activity across major building and construction projects, including long-term project support for a new project in Belfast. You will contribute to sourcing activity, manage tendering processes and lead contract negotiations to secure the best purchasing conditions in line with business requirements. The role will also involve managing day-to-day supplier relationships and supporting projects throughout the tendering, contracting and contract lifecycle. Working across multifunctional and multidivisional teams, you will help ensure construction services are delivered in line with cost, quality and programme requirements while managing commercial and contractual risk. Skillset/experience required: What can you bring to the role? 5+ years' experience within procurement, operations or facilities management Strong procurement experience within Building & Construction, manufacturing, facilities, CAPEX or a closely related environment Experience developing or implementing procurement and category strategies Experience managing sourcing activities and competitive tender processes Strong contract negotiation experience Experience managing suppliers and commercial relationships Knowledge of procurement contracts within a building or construction environment Experience working with cross-functional project teams and internal stakeholders Strong commercial and analytical skills, including business cases, costing and financial KPIs Experience monitoring supplier performance across cost, quality and delivery Strong project management skills Ability to work autonomously and manage competing priorities Building or construction project management experience would be highly advantageous Experience within construction or manufacturing environments is particularly relevant Previous aerospace experience is advantageous but is not essential Strong English communication and negotiation skills French, Spanish or German language skills would be advantageous TPBN1_UKTJ

Buildings and Construction UK Buyer Location: Broughton, Flintshire Working arrangement: Minimum three days onsite each week, with Tuesdays and Thursdays mandatory Hours: 35 hours per week across 4.5 days, worked between 7:00am and 7:00pm subject to business requirements PAYE rate: Up to £32.89 per hour Umbrella rate: Up to £44.00 per hour IR35 status: Inside Security clearance: BPSS+ clearance required Travel: Limited travel to other UK sites may be required Shape the supplier partnerships behind major construction projects Guidant Global is partnering with Airbus to recruit an experienced Buildings and Construction UK Buyer based at the Broughton site. This is an opportunity to take ownership of high-value, strategic procurement activity covering construction services across the Airbus UK estate. You will lead sourcing, tendering and contract negotiations while building effective supplier relationships and supporting long-term projects, including a new project in Belfast. Working across multifunctional and multi-divisional teams, you will help secure competitive commercial outcomes, strengthen the supplier base and ensure services are delivered safely, efficiently and in line with cost, quality and schedule requirements. What You'll Be Doing Lead procurement projects and competitive tendering exercises across building and construction services. Implement procurement strategies aligned with business requirements and project objectives. Source and manage suppliers covering services such as architecture, planning, construction, project management and building controls. Negotiate, establish and implement national and international framework agreements. Manage supplier relationships throughout the tendering, contracting and contract lifecycle. Ensure contractual deliverables meet agreed cost, time and quality requirements. Lead cross-functional teams through supplier selection and procurement activities. Challenge specifications, support demand management and identify opportunities to improve value. Monitor supplier performance using clear, evidence-based KPIs. Address performance concerns and initiate recovery actions where required. Support the development of national, international and trans-divisional procurement strategies. Produce benchmark, costing and make-or-buy analysis to support commercial decisions. Contribute to savings initiatives through specification challenge, standardisation, volume aggregation and demand control. Help develop an efficient and competitive supply chain that supports current and future business needs. Promote compliance with procurement processes, ethical standards and contractual requirements. Support the use of procurement tools and techniques, including e-procurement and e-catalogues. What We're Looking For Essential More than five years' experience within procurement, operations or facilities management. Experience developing and implementing procurement strategies. Strong commercial negotiation and contract management skills. Knowledge of procurement contracts within a building or construction environment. Advanced project management skills, with the ability to lead cross-functional teams. Strong analytical capability, including business cases and financial KPIs. Ability to balance competing priorities involving customers, suppliers, budgets and delivery timescales. Professional-level English, including the ability to conduct commercial negotiations. A collaborative, transparent and customer-focused approach. Ability to work autonomously and deliver effectively without close supervision. Strong commitment to ethics, compliance and responsible procurement. Desirable Experience within the building and construction procurement category. Building project management experience. Procurement business school qualification at master's level, an engineering degree, or an architecture or construction qualification supported by strong commercial and procurement knowledge. Experience within manufacturing engineering or facilities management. Knowledge of supply chain management, market analysis, procurement strategy and relevant legal considerations. French, Spanish or German language skills. Experience working across multicultural, international or multi-site environments. Why Join? Support significant construction and infrastructure procurement activity across Airbus. Contribute to a long-term project environment, including support for a new project in Belfast. Work with national and international suppliers across a varied construction services portfolio. Build experience across strategic sourcing, supplier management, commercial negotiation and contract delivery. Collaborate with multifunctional and multi-divisional stakeholders. Work within a hybrid arrangement, with a minimum of three days each week at the Broughton site. Inclusive Recruitment Guidant Global is committed to creating an inclusive recruitment experience. We welcome applications from people of all backgrounds and will consider reasonable adjustments throughout the recruitment process. If you have relevant procurement, construction, facilities management or operations experience and can bring strong commercial judgement to complex supplier relationships, we would like to hear from you. Apply today to help deliver strategic procurement solutions supporting Airbus buildings and construction projects across the UK. Guidant, Carbon60, Lorien & SRG - The Vertage Group Portfolio are acting as an Employment Business in relation to this vacancy. TPBN1_UKTJ

FindTutors is looking for passionate French tutors to join our growing online teaching community.

FindTutors is looking for passionate French tutors to join our growing online teaching community.

FindTutors is looking for passionate French tutors to join our growing online teaching community.

FindTutors is looking for passionate French tutors to join our growing online teaching community.

FindTutors is looking for passionate French tutors to join our growing online teaching community.

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