Commercial Credit Underwriter (Mid‑Market)

Bank of America; Georgia; On-site; USD 90,000 - 150,000; Full time

Job summary

Bank of America is seeking an Underwriter for the Global Commercial Banking credit team to underwrite loans and credit exposure for middle market companies across multiple industries in the Houston, Dallas, and Clayton MO markets. You will work with Relationship Management, Debt Capital Markets, and other product teams to analyze lending opportunities and monitor portfolios.

Responsibilities include structuring debt solutions, performing due diligence, building cash flow models, and creating

Qualifications

• BA/BS degree required.
• 3–10 years of Commercial Banking underwriting experience.
• Proficiency in accounting principles, financial statement analysis and financial modeling.
• Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures.
• Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements.
• Strong written and verbal communication skills.
• Unwavering attention to detail and accuracy.
• Ability to work in a fast paced, deadline driven environment.
• Ability to juggle and prioritize multiple transactions and responsibilities at a time.

Responsibilities

• Partner with credit teammates and product teams to develop strategic debt financing solutions.
• Structure bilateral and syndicated loans aligned with client needs and risk parameters.
• Analyze ancillary credit exposure for treasury, rates and FX products.
• Perform due diligence and dynamic risk assessments of borrowers, industries and transactions.
• Create credit approval packages and manage the credit approval process from initiation to final decision.
• Construct detailed cash flow and repayment models, including sensitivity analyses.
• Complete enterprise value (DCF), pricing, returns and risk rating models.
• Ensure adherence to regulatory and internal policies and procedures.
• Exercise approval authority for certain credit actions.
• Present well supported opportunities to credit and risk leadership.
• Partner with internal and external legal to complete loan documentation.
• Oversee quarterly monitoring exercises and requirements.

Skills

Financial analysis

Credit analysis

Financial modeling

Written communication

Attention to detail

Analytical thinking

Prioritization

Collaboration

Education

BA/BS degree

Job description

Bank of America is seeking an Underwriter for the Global Commercial Banking credit team to underwrite loans and credit exposure for middle market companies across multiple industries in the Houston, Dallas, and Clayton MO markets. You will work with Relationship Management, Debt Capital Markets, and other product teams to analyze lending opportunities and monitor portfolios.

Responsibilities include structuring debt solutions, performing due diligence, building cash flow models, and creating