Credit Analyst II-Global Infrastructure Credit

Bank of America; New York (NY); On-site; USD 85,000 - 120,000; Full time

Job summary

Bank of America is seeking a Credit Underwriter to support moderately complex client relationships by analyzing financials, evaluating risks, and preparing financial analyses with advanced tools.

The role involves reviewing credit documentation, monitoring portfolios, and participating in loan structuring and documentation, with 2+ years in banking. The position is based in New York, requires 40 hours per week, 1st shift, and offers growth within the underwriting team.

Qualifications

• 2+ years of experience in banking or finance industry in corporate credit, tax equity, project finance and/or renewable energy.
• Ability to review, understand and interpret legal documentation of complex transactions and their impact on credit exposure.
• Ability to work efficiently and productively on multiple transactions or tasks at one time.
• Ability to lead diligence efforts, make approval recommendations, and execute timely funding with manager oversight and feedback.
• Computer skills: proficient in Excel, Word and PowerPoint

Responsibilities

• Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
• Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Reviews completed client requests to ensure compliance with policy and procedures
• Understands how credit data is used internally and provided to regulatory partners
• Assists with periodic portfolio reviews
• Participates in loan structure conversations and completion of loan documentation

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, Accounting or related major

Job description

Job Description

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

This job is responsible for supporting credit underwriting and monitoring for moderately complex client relationships. Key responsibilities include completing and reviewing credit analysis, evaluating risks, and preparing financial analysis using advanced tools and systems. Job expectations include assessing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite.

Responsibilities

• Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
• Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Reviews completed client requests to ensure compliance with policy and procedures
• Understands how credit data is used internally and provided to regulatory partners
• Assists with periodic portfolio reviews
• Participates in loan structure conversations and completion of loan documentation

Required Qualifications

• 2+ years of experience in banking or finance industry in corporate credit, tax equity, project finance and/or renewable energy.
• Ability to review, understand and interpret legal documentation of complex transactions and their impact on credit exposure.
• Ability to work efficiently and productively on multiple transactions or tasks at one time.
• Ability to lead diligence efforts, make approval recommendations, and execute timely funding with manager oversight and feedback.
• Computer skills: proficient in Excel, Word and PowerPoint

Desired Qualification

• Bachelor's Degree in Finance, Accounting or related major.

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

Shift

1st shift (United States of America)

Hours Per Week

40