At 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. As part of Team Amex, you'll experience this 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.

Business Unit/Role Specific Info

Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk division within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business areas of American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and Sydney.

In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must align with the highest global banking standards set by the bank’s primary regulator, the Federal Reserve.

How Will You Make an Impact in This Role?

• 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

Minimum Requirements

• Currently enrolled in a full-time undergraduate degree program
• Bachelor’s degree candidates with an expected graduation date between December 2026 and June 2027

Preferred Requirements

• Student working on a bachelor’s a 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

Salary Range: $24.05 to $63.00 hourly + sign-on bonus

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

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• * 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

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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