About the role#
The Commercial Rating and Underwriting (CRU) team manages risk for institutional exposures across all American Express business areas. This internship program offers an opportunity to work within our Credit and Fraud Risk division. You will help assess risk for corporate and small business card programs, merchant service relationships, and the firm-wide securities portfolio.
What you'll do#
- Rate and underwrite credit exposures for assigned regions, industries, and business lines.
- Perform fundamental analysis by reviewing business operations and financial performance.
- Analyze industry and country risks.
- Use internal and external rating models to support credit decisions.
- Evaluate relationship profitability and program structures to assess credit extension needs.
What you'll need#
- Current enrollment in a full-time undergraduate degree program.
- Expected graduation date between December 2027 and June 2028.
- Coursework or a major in Finance, Accounting, Economics, Mathematics, or Statistics.
- Ability to review corporate financial documents and apply fundamental financial analysis.
- Proficiency with GAAP/IFRS accounting standards, corporate valuation, and forecasting.
- Experience preparing company-specific and industry-wide credit memorandums.
Location & details#
- Location: Sandy, Utah.
- Term: Summer 2027.
- Modality: This is a full-time, on-site internship.
- Compensation: This is a paid position.
About American Express
American Express is a globally integrated payments company that provides products, insights, and experiences to customers and businesses. Founded in 1850, the firm maintains its headquarters in New York. It employs over 99,000 people and operates as a public company. Its core operations include network services, merchant services, corporate cards, and business travel.
How to get in at American Express
Securing an internship at American Express requires a proactive approach to the application timeline. Because early applicants are often reviewed before the candidate pool grows, Intern Insider sends an instant alert the moment a role matching your target is published, helping you apply among the first. This timing often provides a distinct advantage in the selection process. You can also improve your response rates by reaching out to the recruiters behind the company's roles directly. Intern Insider surfaces these specific contacts so you can send a thoughtful inquiry or request a referral, which is a far more effective strategy than waiting for a response from a general queue.
