Credit Analyst II / Underwriter I — Risk & Credit Analysis

Bank of America; Dallas (TX); On-site; USD 100,000 - 130,000; Full time

Job summary

Bank of America seeks a credit risk professional to analyze credit worthiness and risks for a U.S./CAN client base within GCIB, with a focus on traded products and syndicated or bilateral facilities. You will monitor, underwrite, and support stakeholders to drive successful financing decisions.

The role involves building projection models, evaluating profitability, and guiding analysts through end-to-end credit processes in a fast-moving environment.

Qualifications

• 3 years commercial and/or corporate banking credit to include financial analysis experience.
• Experience in underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures.
• Must have commercial credit analysis, financial modeling, traded products and underwriting experience.

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards.
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted.
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures.
• Evaluates transaction and relationship risk‑adjusted profitability to facilitate the allocation of capital.
• Builds projection models for the client based on historical performance, industry forecasts, and other due diligence findings.
• Trains, coaches, and mentors credit analysts, and collaborates with team members.
• Credit coverage of Banks, Broker Dealers, and Exchange Companies clients.
• Manage the end‑to‑end credit approval process by managing analysts and the portfolio monitoring team‑work flow to ensure quality of work and timeline management of deliverables.

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 another related field

Formal credit training or related certifications

Tools

Excel

PowerPoint

Word

Job description

Bank of America seeks a credit risk professional to analyze credit worthiness and risks for a U.S./CAN client base within GCIB, with a focus on traded products and syndicated or bilateral facilities. You will monitor, underwrite, and support stakeholders to drive successful financing decisions.

The role involves building projection models, evaluating profitability, and guiding analysts through end-to-end credit processes in a fast-moving environment.