Credit Analyst Internship Program - Draper, Utah

Internships at Optum. If you want an intern experience that will dramatically shape your career, consider a company that's dramatically shaping our entire health care system. Optum, part of the UnitedHealth Group family of companies, is a leading health services and innovation company dedicated to helping make the health system work better for everyone. With more than 94,000 people collaborating worldwide, Optum combines people, technology, data and action to improve the delivery, quality and efficiency of health care. Our internship opportunities provide a view of a rapidly evolving, incredibly challenging marketplace of ideas, products and services. Here, you'll work with some of the smartest people in the business on assignments that matter. Join us to start Caring. Connecting. Growing together.

During our 10-week internship program, you will gain meaningful work experience and exposure to the nation's leading health care company, while learning what a career at UnitedHealth Group will have in store for you. You will be assigned to a team that aligns with your career aspirations, influence business recommendations to senior leadership teams, and partner with a dedicated mentor and manager who will support you as you take on challenges of key importance to the company. You'll be empowered to build relationships, drive innovation across the business, and share in a growth mindset. In addition, you'll have access to analyst training and curriculum to provide you with the foundational knowledge necessary to truly become a subject matter expert. You will also be invited to experience our Minnesota Headquarters, an experience geared toward networking and development. The goal of our internship is to put people first and stay true to our mission - helping people live healthier lives and helping the health system work better for everyone.

Purpose of Job: The Credit Analyst will be responsible for assisting in the review and underwriting of loan requests to help the bank build, maintain, and accurately risk grade its solid credit portfolio. This will involve working closely with other analysts, underwriters, portfolio managers, and credit administration.

Join us and you may end up staying for a career in which you can do your life's best work.

This is a full-time summer internship position working 40 standard business hours Monday-Friday from June 3, 2025 - August 8, 2025.

There will be no exceptions to any early or late date requests. No early end date requests.

UnitedHealth Group is not able to offer visa sponsorship now or in the future for this position.

This position is in Draper, UT and is a hybrid position where you will need to be in the office 3 days a week.

Primary Responsibilities:

• Assist with underwriting new commercial loan requests and performing periodic reviews on existing commercial loans
• Conduct analysis of financial statements and assess overall credit risk of new and existing loans
• Complete quarterly and annual covenant compliance testing for existing loans in the portfolio
• Present analysis, findings, and recommendations to Sr. Credit Analysts, Portfolio Managers, and other members of the Credit team
• Become familiar with all policies, guidelines, procedures, regulations, and systems applicable to the credit lending process
• Ensure completeness and accuracy of loan files
• Assist with occasional data projects or other administrative tasks as needed by the Credit Team

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

• Currently pursuing a Bachelor's degree from an accredited college/university in business, finance, economics, accounting, or a similar field
• Enrolled in an accredited college/university during the internship. Internships are not intended for graduating seniors
• Experience using Microsoft Office suite of products
• Ability to work full-time summer internship from June 3, 2025 - August 8, 2025
• Ability to work in-office 3 days a week (Tuesday-Thursday) in your designated site location
• Legally authorized to work in the US without any restrictions. Proof will be required
• Must be eligible to work in the U.S. without company sponsorship, now or in the future, for employment-based work authorization. F-1 visa holders with Optional Practical Training (OPT) who will require H-1B status, TNs, or current H-1B visa holders will not be considered. H1-B and green card sponsorship is not available for this position

The hourly range for this role is $18.00 to $32.00 per hour based on full-time employment. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you'll find a far-reaching choice of benefits and incentives.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employers and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.