Commercial Credit Analyst II/III — Underwriting & Risk

Bank of America Corporation; Dallas (TX); On-site; USD 55,000 - 90,000; Full time

Job summary

The Commercial Credit Analyst role at Bank of America in Dallas, TX focuses on underwriting and monitoring credit for new and existing commercial clients. You will perform financial analysis, spread financials, assess risk, and ensure covenant compliance in line with the bank's risk appetite.

The position requires a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. Entry levels (I–III) may apply, with a 40-hour work week and 1st shift responsibilities.

Qualifications

• BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience.
• Credit underwriting knowledge and financial analysis skills.
• Ability to analyze financial statements, projections and covenant tests.

Responsibilities

• Analyze financial statements and summarize client performance via risk reviews.
• Perform credit analysis and monitoring for commercial clients.
• Execute financial spreading, risk rating, and covenant tests.
• Collaborate with credit teams to support underwriting.
• Escalate process issues and participate in continuing education.

Skills

Credit and Risk Assessment

Financial Analysis

Understanding of Financial Accounting

Credit Documentation Requirements

Critical Thinking

Prioritization

Attention to Detail

Business Acumen

Decision Making

Written Communications

Client Management

Recording/Organizing Information

Analytical Thinking

Education

BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience

Job description

The Commercial Credit Analyst role at Bank of America in Dallas, TX focuses on underwriting and monitoring credit for new and existing commercial clients. You will perform financial analysis, spread financials, assess risk, and ensure covenant compliance in line with the bank's risk appetite.

The position requires a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. Entry levels (I–III) may apply, with a 40-hour work week and 1st shift responsibilities.