Campus Undergraduate Summer Internship - Commercial Rating & Underwriting, Credit & Fraud Risk

American Express

Internship focusing on commercial rating and underwriting within the Credit and Fraud Risk division of American Express. Collaborating with teams worldwide to underwrite credit exposures and analyze financial performance.

Posted 8/3/2026internshipSalt Lake City • Utah • 🇺🇸 United StatesEntry Level💰 $24 - $63 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong capabilities in credit analysis, including fundamental financial analysis, corporate valuation, and understanding of GAAP/IFRS standards. Proficient in evaluating credit exposures and preparing detailed credit memorandums while effectively communicating insights and recommendations.

Highest-signal resume keywords

Fundamental Financial AnalysisGAAP/IFRS Accounting StandardsCredit Memorandum PreparationMacroeconomic Trend AnalysisCorporate Valuation

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit UnderwritingFinancial Performance ReviewRisk AssessmentCredit Extension EvaluationCorporate Financial Document Analysis

Soft Skills

Written CommunicationVerbal CommunicationPersuasiveness

Industry Keywords

Credit ExposurePublic Agency RatingsProbability of Default (PD)Global MarketsBusiness Cycle

About the role

Key responsibilities & impact

Rate and underwrite credit exposures within the assigned region, industry, and business line.
Conduct fundamental analysis through a thorough review of:
Business operations
Financial performance
Industry and country risk
Utilize outputs from internal and external rating models to support credit decisions.
Assess the need for credit extension by evaluating:
Relationship profitability
Program structures

Requirements

What you’ll need

Currently enrolled in a full-time undergraduate degree program (Bachelors)
Expected graduation date between December 2027 and June 2028
Student working on a bachelor’s degree or substantial coursework in finance, accounting, economics, or statistics a plus
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

Benefits

Comp & perks

Competitive base salaries
Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counselling support through our Healthy Minds program
Career development and training opportunities