Credit Underwriter -II and Senior

Job Description

Support credit underwriting and monitoring for new and existing clients in partnership with a credit team. Independently manage transactions or portfolios of varying complexity, complete and review collateral analysis, evaluate risks, write analysis, lead the process, ensure timely and accurate analysis, and coach teammates on collateral monitoring requirements.

• Manages a portfolio of clients supporting underwriting and/or monitoring requirements of varying degrees of complexity
• Independently works with Relationship Management, Credit and Risk teammates to understand structuring needs and requirements
• Delivers collateral, loan structure, 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 procedures
• Has credit approval for certain credit actions
• Leads collateral monitoring, loan structure conversations and completion of loan documentation with internal/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 or 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
• Strong experience monitoring and analyzing changes in transactions and portfolios over time, including identifying trends or issues that may impact credit quality
• Strong experience reconciling financial statements and supporting documentation, investigating discrepancies or unusual activity and ensuring reporting complies with credit agreements
• Strong experience communicating directly with borrowers to clarify data and resolve issues and requesting additional reporting or backup documentation as needed

• 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

1st shift (United States of America)

40

US - CA
- Los Angeles - 333 S HOPE ST - BANK OF AMERICA PLAZA (CA9193), US - CA
- San Francisco - 555 California St
- Bofa Center - 555 California (CA5705), US - WA
- Seattle - 401 Union St
- Rainier Square (WA1510)

$88,000.00 - $ annualized salary, offers determined based on experience, education, and skill set. Eligible for annual discretionary plan based on performance. Benefits include industry‑leading benefits, paid time off, and resources to support employees.