Merchant Services Global Banking -Commercial Credit Underwriter II

Merchant Services Global Banking
-Commercial Credit Underwriter II

Chandler, Arizona;

Newark, Delaware;
Charlotte, North Carolina;
Plano, Texas

** To proceed with your application, you must be at least 18 years of age.*
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** Bank of America employees are required to meet all*
* ** posting eligibility requirements*
* ** prior to applying for any new position.*
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** To proceed with your application, you must be at least 18 years of age.*
* Acknowledge ( )

** Bank of America employees are required to meet all*
* ** posting eligibility requirements*
* ** prior to applying for any new position.*
* Acknowledge ( )

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* Job Description:

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* 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!

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* Job Description:

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* This job is responsible for underwriting and structuring complex credit transactions with minimal oversight. Key responsibilities include approving credit transactions, while considering credit approval authority limits and utilizing independent judgment and discretion to approve merchant exposure. Job expectations include exercising approval authority while ensuring adherence to credit policies, guidelines, and applicable regulatory requirements and serving as the point of contact for driving commercial and small business credit solutions for the client.

The Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the Merchant Credit Global Banking Leader considering their credit approval authority limits and utilizing independent judgment and discretion to approve Merchant exposure.  They deliver financial, industry, economic and other analysis used to recommend and approve deals. The Credit Underwriters exercise their own single signature approval authority while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements.

The Credit Underwriter will be called on to take on customer facing responsibilities in obtaining background and financial information, articulating the banks position and negotiating more complex relationships. The Credit Underwriters provide ongoing coaching and support to their sales partners and other Credit team members.

This role is accountable for transaction risk including, but not limited to,…