Credit Underwriter -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, recognising 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 impacting 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 appropriate 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!

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 transactions or portfolios of limited to moderate complexity, 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.

• Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexity
• Independently works with Relationship Management and Risk teammates to understand structuring needs and requirements
• Delivers 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 and coaching and ensure compliance with laws, rules, regulations and policy procedure
• Has credit approval for certain credit actions
• Leads loan structure conversations and completion of loan documentation with internal and external legal partners

• Attention to detail
• Credit and risk assessment
• Financial analysis
• Underwriting
• Written communications
• Analytical thinking
• Credit documentation requirements
• Financial forecasting and modeling
• Recording/organising information
• Business acumen
• Collaboration
• Collateral management
• Loan structuring
• Prioritization

• 3+ years of solid experience in Commercial Banking (Middle Market or Large Corporate or Leveraged Finance) underwriting, performing financial analysis, structuring and portfolio management
• Strong communication and analytical/technical skills, including financial accounting, modelling and loan structuring

• Participate with RM or CO’s 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: 1st shift (United States of America)

Hours Per Week: 40