Credit UW I-II or Senior

Job Description:

At Bank of America we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients teammates communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed build a career and contribute to our shared success. This includes attracting and developing exceptional talent recognizing and rewarding performance and supporting our teammates physical emotional and financial wellness through affordable competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service community college education or a wide range of work and life experiences. These journeys foster resilience leadership and innovation strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration engagement and career development. Our approach includes clear in-office expectations while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America you can build a successful career with opportunities to learn grow and make an impact. Join us!

Job Description:
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low-complexity transactions or portfolios completing and reviewing credit analysis evaluating risks and writing financial analysis. Job expectations include leading the process ensuring timely and accurate analysis and coaching teammates on credit requirements.

Responsibilities:

• Leads the credit analysis process with the support of other analysts and associates

• Partners with Credit Officers Relationship Management and Risk teammates to understand structuring needs and requirements

• Monitors operating performance and financial condition proactively identifying issues and opportunities

• Assists in delivery of financial modeling loan structure industry economic and other analyses to team members to support the loan decision-making process

• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws rules regulations and policy procedure

• May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions

• Participate in loan structure conversations and completion of loan documentation with internal/external legal partners

Skills:

• Attention to Detail

• Credit and Risk Assessment

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Financial Forecasting and Modeling

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Collateral Management

• Loan Structuring

• Prioritization

Required Qualifications:

3 years of solid experience in Commercial Banking Underwriting (Middle Market or Large Corporate or Leveraged Finance) performing financial analysis structuring and portfolio management

Strong communication and analytical/technical skills including financial accounting modeling and loan structuring.

Desired Qualifications:

Participate with RM or COs to negotiate Credit Agreements & loan documents as needed.

Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate revolvers etc.)

BA/BS Desired

Shift:

Hours Per Week:

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