Commercial Credit Analyst II/III: Risk & Financial Analysis

Bank of America Corporation; Phoenix (AZ); On-site; USD 65,000 - 90,000; Full time

Job summary

Bank of America Corporation is seeking a Commercial Credit Analyst I (or II/III at manager's discretion) to facilitate credit underwriting and monitor client financials. The role involves credit analysis, risk evaluation, and financial analysis using bank tools.

Candidates should have a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. The position requires evaluating financials, projections, covenant tests, and policy requirements to align with the

Qualifications

• Minimum Education/Experience: BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1–3 years of relevant work experience.

Responsibilities

• Analyzes financial statements and summarizes client performance via periodic risk profile reviews.
• Partners with credit and client teams within Centralized and Regional Credit Lines of Business.
• Manages risk through accurate financial spreading, risk rating, and covenant test calculations.
• Expands expertise by reviewing policy and procedure and participating in continuing education sessions.
• Collaborates with peers to manage optimal workflow.
• Identifies and escalates process breakdowns.

Skills

Credit and Risk Assessment

Financial Analysis

Understanding of Financial Accounting

Credit Documentation Requirements

Critical Thinking

Attention to Detail

Business Acumen

Decision Making

Written Communications

Client Management

Recording/Organizing Information

Analytical Thinking

Financial Forecasting

Collateral Management

Underwriting

Financial Ratio Analysis

Education

BA/BS Degree in Finance, Accounting, or Business Administration

Job description

Bank of America Corporation is seeking a Commercial Credit Analyst I (or II/III at manager's discretion) to facilitate credit underwriting and monitor client financials. The role involves credit analysis, risk evaluation, and financial analysis using bank tools.

Candidates should have a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. The position requires evaluating financials, projections, covenant tests, and policy requirements to align with the