Credit Analyst II, Corporate Banking & Risk

Bank of America; San Francisco (CA); On-site; USD 90,000 - 120,000; Full time

Job summary

Bank of America is seeking a Credit Analyst to analyze client creditworthiness, evaluate credit risks, and prepare credit approval memos for renewals and new lending opportunities. You will review financials, industry data, covenants, and collateral to ensure alignment with risk appetite, while supporting monitoring and underwriting tasks.

You will participate in origination, underwriting, and portfolio management for U.S./CAN Banks and Brokers clients, with a product focus on traded and

Qualifications

• 3 years commercial and/or corporate banking credit or equivalent experience.
• Experience in underwriting, credit risk analysis, negotiation, and closing of transactions.
• Commercial credit analysis, financial modeling, traded products and underwriting experience.
• Proficient in Excel, Microsoft Word and PowerPoint.

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards.
• Reviews financial statements, assesses compliance with financial covenants, and renews risk ratings, with recommended changes as warranted.
• Assists in underwriting, credit risk analysis, negotiation, and closing of new or existing transactions, adhering to policies.
• Evaluates transaction and relationship risk-adjusted profitability to guide capital allocation.
• Builds projection models based on historical performance and industry forecasts.
• Trains, coaches, and mentors credit analysts, collaborating with team members.
• Credit coverage of Banks, Broker Dealers, and Exchange Companies clients.
• Manage end-to-end credit approval process by coordinating analysts and portfolio monitoring workflow.

Skills

Analytical Thinking

Financial Analysis

Financial Forecasting and Modeling

Profitability Analysis

Research Analysis

Attention to Detail

Business Acumen

Credit and Risk Assessment

Underwriting

Written Communications

Collaboration

Critical Thinking

Portfolio Analysis

Prioritization

Technical Documentation

Education

Bachelor's degree in finance or accounting

Formal credit training or related certifications

Tools

Excel

Microsoft Word

PowerPoint

Job description

Bank of America is seeking a Credit Analyst to analyze client creditworthiness, evaluate credit risks, and prepare credit approval memos for renewals and new lending opportunities. You will review financials, industry data, covenants, and collateral to ensure alignment with risk appetite, while supporting monitoring and underwriting tasks.

You will participate in origination, underwriting, and portfolio management for U.S./CAN Banks and Brokers clients, with a product focus on traded and