Commercial Credit Underwriter I: Loan Structuring & Risk

Bank of America; Dallas (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

Bank of America in Dallas, TX is seeking an experienced Credit Underwriter to manage clients and credit products, partnering with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship.

The role requires underwriting, monitoring and delivering financial analysis for loan decisions, guiding associates, and ensuring compliance with laws and bank policies while providing clear communication with clients and internal partners.

Qualifications

• 3 years of credit and financial institution experience with Commercial Credit Underwriting, commercial credit loan structuring
• Strong written and communication skills
• Strong MS Office skills (Excel, Word, PowerPoint)
• Attention to detail

Responsibilities

• Partners with relationship management and product partners to assess clients’ credit needs and create solutions
• Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
• Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
• Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure
• Mentors and supports associates
• Leads the credit analysis process with the support of other analysts and associates
• Monitors operating performance and financial condition, proactively identifying issues and opportunities
• Assists in delivery of financial modeling, loan structure, industry, economic and other analysis 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 procedure
• Granted credit approval for certain credit actions
• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners

Skills

Credit Underwriting

Financial Analysis

Communication Skills

MS Office

Attention to Detail

Education

Bachelor’s degree in finance/accounting preferred

High School Diploma or GED

Job description

Bank of America in Dallas, TX is seeking an experienced Credit Underwriter to manage clients and credit products, partnering with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship.

The role requires underwriting, monitoring and delivering financial analysis for loan decisions, guiding associates, and ensuring compliance with laws and bank policies while providing clear communication with clients and internal partners.