Commercial Credit Underwriter I — Loan Structuring & Risk

Internationalinsuranceprofessionals; Dallas, Northern (TX, KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Bank of America is seeking a seasoned credit professional to manage client relationships and credit products, collaborating with relationship management, sales/trading, treasury, operations and risk teams to support loan decisions.

Responsibilities include underwriting, monitoring, and handling client requests; you will lead credit analysis, contribute to structuring needs, and guide junior teammates to ensure compliance with laws, rules, and policy procedures.

Qualifications

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

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
• Partners with Credit Officers and Risk teammates to understand structuring needs and requirements
• 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

Analytical Thinking

Credit and Risk Assessment

Financial Analysis

Underwriting

Attention to Detail

Business Acumen

Financial Forecasting and Modeling

Loan Structuring

Written Communications

Business Development

Collaboration

Critical Thinking

Portfolio Analysis

Stakeholder Management

Education

Bachelor's degree in finance/accounting preferred or equivalent experience

High School Diploma / GED / Secondary School or equivalent

Tools

MS Office

Job description

Bank of America is seeking a seasoned credit professional to manage client relationships and credit products, collaborating with relationship management, sales/trading, treasury, operations and risk teams to support loan decisions.

Responsibilities include underwriting, monitoring, and handling client requests; you will lead credit analysis, contribute to structuring needs, and guide junior teammates to ensure compliance with laws, rules, and policy procedures.