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Campus Undergraduate - 2025 Credit & Fraud Risk, Commercial Rating & Underwriting Summer Internship Salt Lake City, UT

  • Internship
    Full-time
    Summer Internship
  • Data
    Banking & Finance
  • Salt Lake City

AI generated summary

  • You must be an undergrad graduating between Dec 2025 and June 2026, with knowledge in financial analysis, GAAP/IFRS, macroeconomics, and strong communication skills.
  • You will rate and underwrite credit exposures, perform fundamental analysis on financials and risk, and assess profitability and credit needs within your assigned region and industry.

Requirements

  • Currently enrolled in a full-time undergraduate degree program
  • Student must have a graduation date between December 2025 and June 2026
  • 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
  • Student working on a bachelor’s degree or substantial coursework in finance, accounting, economics, or statistics a plus

Responsibilities

  • Interns in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line.
  • Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs.
  • Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures.

FAQs

What is the location for the Summer Internship position?

The Summer Internship position is located in Salt Lake City, UT.

What is the primary focus of the Commercial Rating and Underwriting (CRU) team?

The CRU team is responsible for assessing and managing the risk of institutional exposures across all business areas of American Express.

What are the minimum educational requirements for applicants?

Applicants must be currently enrolled in a full-time undergraduate degree program with a graduation date between December 2025 and June 2026.

What skills or knowledge are preferred for candidates applying for this internship?

Preferred knowledge includes fundamental financial analysis, familiarity with GAAP/IFRS accounting standards, understanding macroeconomic trends, and experience in preparing credit memorandums.

Is there a possibility for a sign-on bonus with this internship?

Yes, there is a sign-on bonus available in addition to the hourly wage.

What benefits does American Express offer to its interns?

Benefits include competitive base salaries, flexible work arrangements, access to on-site wellness centers, confidential counseling support, and career development opportunities.

Will American Express sponsor a visa for this internship?

No, the company will not pursue visa sponsorship for this position; employment eligibility to work in the United States is required.

How does American Express ensure inclusivity within the workplace?

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.

When will applications be reviewed for this internship?

Applications will be reviewed on a rolling basis.

What is the hourly salary range for this internship?

The hourly salary range for this internship is $24.05 to $63.00, depending on factors such as location and experience.

Finance
Industry
10,001+
Employees
1850
Founded Year

Mission & Purpose

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 striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.

Culture & Values

  • We Back Our Customers

    Relationships are at the heart of our business. We strive to be essential to our customers by delivering exceptional products, services and experiences every day – and promise to have their backs in everything we do.

  • We Make It Great

    We deliver an unparalleled standard of excellence in everything we do, staying focused on the biggest opportunities to be meaningful to our customers. From our innovative products to our world-class customer service, our customers expect the best—and our teams are proud to deliver it.

  • We Do What’s Right

    Customers choose us because they trust our brand and people. We earn that trust by ensuring everything we do is reliable, consistent, and with the highest level of integrity.

  • We Respect People

    We trust and respect one another for who we are and what we contribute. We are accountable to one another and empower every voice through open, courageous dialogue so others feel heard.

  • We Embrace Diversity

    We see diversity of people and experiences as fuel for the creativity and innovation we need to be and deliver our best.

  • We Stand for Inclusion

    We all have biases. However, we do not tolerate bias that excludes or minimizes anyone – all people belong. We’re committed to ensuring that we have a welcoming and inclusive culture where everyone’s voice matters and where people of all races, ethnicities, genders, gender identities, sexual orientations, ages, religions, disabilities and viewpoints can thrive.

  • We Win As a Team

    We view each other as colleagues—part of the same team, striving to deliver the brand promise to our customers and each other every day. Individual performance is essential and valued, but never at the expense of the team.

  • We Support Our Communities

    We respect our communities and are committed to working together so they can thrive and make a meaningful difference in the world.