Credit Underwriter -II

Job Description

Bank of America is committed to an in‑office culture that supports collaboration, engagement, and career development. The company values inclusion and aims to provide excellent benefits and opportunities for growth.

• Lead the credit analysis process with the support of other analysts and associates
• Partner with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
• Monitor operating performance and financial condition, proactively identifying issues and opportunities
• Assist in the delivery of financial modeling, loan structure, industry, economic, and other analyses to support the loan decision‑making process
• Review work of junior teammates to provide feedback and coaching, ensuring compliance with laws, rules, regulations, and policy procedures
• 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 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/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

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

• Participate with RM or COs to negotiate Credit Agreements and loan documents, as needed
• Be knowledgeable of the closing process and timeline for all types of loans (e.g., real estate, revolvers)
• BA/BS degree desired

1st shift (United States of America)

40